{"id":9637,"date":"2021-04-18T12:03:59","date_gmt":"2021-04-18T06:33:59","guid":{"rendered":"https:\/\/test-blog.unicreds.com\/blog\/?p=9637"},"modified":"2024-10-17T12:04:22","modified_gmt":"2024-10-17T06:34:22","slug":"documents-required-for-education-loans-abroad","status":"publish","type":"post","link":"https:\/\/unicreds.com\/blog\/documents-required-for-education-loans-abroad\/","title":{"rendered":"List of Documents Required for Education Loans to Study Abroad"},"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\/documents-required-for-education-loans-abroad\/#Education_Loan_Eligibility_Criteria\" >Education Loan Eligibility Criteria&nbsp;<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/unicreds.com\/blog\/documents-required-for-education-loans-abroad\/#Documents_Required_For_Education_Loan_%E2%80%93_Process_Based\" >Documents Required For Education Loan \u2013 Process Based<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/unicreds.com\/blog\/documents-required-for-education-loans-abroad\/#Documents_Required_For_Education_Loan_%E2%80%93_Banks_Vs_NBFCs_Vs_International_Lenders\" >Documents Required For Education Loan \u2013 Banks Vs. NBFCs Vs. International Lenders<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/unicreds.com\/blog\/documents-required-for-education-loans-abroad\/#Documents_Required_For_Education_Loan_%E2%80%93_Based_On_Lender_Criteria\" >Documents Required For Education Loan \u2013 Based On Lender Criteria<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/unicreds.com\/blog\/documents-required-for-education-loans-abroad\/#Documents_Required_For_Education_Loan_To_Study_Abroad_With_International_Private_Student_Loan_Lenders\" >Documents Required For Education Loan To Study Abroad With International Private Student Loan Lenders<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/unicreds.com\/blog\/documents-required-for-education-loans-abroad\/#Additional_Requirements_For_DACA_Student_Loans_And_FAFSA_Students_Aid_For_Education_Loan_To_Study_abroad_In_USA\" >Additional Requirements For DACA Student Loans And FAFSA Students Aid For Education Loan To Study abroad In USA<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/unicreds.com\/blog\/documents-required-for-education-loans-abroad\/#Documents_Required_For_Education_Loan_To_Study_Abroad_Co-applicant_Management_And_Turn-Around-Time\" >Documents Required For Education Loan To Study Abroad: Co-applicant Management And Turn-Around-Time<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/unicreds.com\/blog\/documents-required-for-education-loans-abroad\/#Procedure_For_Getting_An_Education_Loan_For_Studying_Abroad\" >Procedure For Getting An Education Loan For Studying Abroad<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/unicreds.com\/blog\/documents-required-for-education-loans-abroad\/#Here_is_why_you_should_trust_UniCreds\" >Here is why you should trust UniCreds<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/unicreds.com\/blog\/documents-required-for-education-loans-abroad\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div>\n<p><\/p>\n\n\n\n<p>The decision to study abroad can be a life-changing one, however, it does not come easy. While the competition of getting into the most prestigious universities in the world is fierce, other factors like funding can put a significant dent in your study abroad dreams. Being one of India\u2019s largest education loan marketplaces, UniCreds is committed to providing students with all the necessary resources to live their dreams of studying abroad. This is why we offer many collateral-free education loans to top study destinations. In this blog, I will cover the entire documentation requirements for getting an education loan along with a solid list of documents required for <a href=\"https:\/\/unicreds.com\/abroad-education-loan\" target=\"_blank\" rel=\"noreferrer noopener\">education loans abroad<\/a>. So, let\u2019s get started!<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Education_Loan_Eligibility_Criteria\"><\/span><strong>Education Loan Eligibility Criteria&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Education loans are one of the most widely used forms of student aid all over the world. However, to secure an education loan you need to check whether you are eligible to apply for an education loan or not. Once you find out that you are eligible for it, you need to start collating the documents required for an education loan. Here are the usual criteria which Indian banks follow to gauge an applicant\u2019s eligibility &#8211;&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The applicant should be a citizen of India.<\/li>\n\n\n\n<li>The applicant must have attained the age of 18 or else his\/her parents will have to take the education loan.<\/li>\n\n\n\n<li>The applicant must have a good academic track record.<\/li>\n\n\n\n<li>The applicant must have secured admission to a recognized foreign university\/institution\/college.<\/li>\n\n\n\n<li>The desired course that the applicant is going to study must be a technical or professional one, as banks give preference to job-oriented courses.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n    <style>\n        .container {\n            width: 100%;\n            height: 70px;\n            background-color: #F5F5F5;\n            position: relative;\n        }\n        .vertical-line {\n            position: absolute;\n            left: 0;\n            top: 0;\n            width: 7px;\n            height: 100%;\n            background-color: #417B28;\n        }\n        .text {\n            position: absolute;\n            left: 25px;\n            top: 50%;\n            transform: translateY(-50%);\n            color: black;\n            font-family: \"Poppins\", sans-serif;\n            font-size: 18px;\n            padding: 0;\n        }\n        \/* The new CSS class for the anchor tag *\/\n        .link {\n            line-height: 1.5; \/* Default line height for desktop *\/\n        }\n        \/* CSS Media Queries *\/\n        @media only screen and (max-width: 768px) {\n            .container {\n                height: 100px;\n            }\n            .vertical-line {\n                width: 5px;\n            }\n            .text {\n                font-size: 14px;\n            }\n            \/* Increase the line height for mobile *\/\n            .link {\n                line-height: 2;\n            }\n        }\n        @media only screen and (max-width: 480px) {\n            .container {\n                height: 80px;\n            }\n            .vertical-line {\n                width: 3px;\n            }\n            .text {\n                font-size: 14px;\n            }\n            \/* Increase the line height for mobile *\/\n            .link {\n                line-height: 1.5;\n            }\n        }\n    <\/style>\n\n    <div class=\"container\">\n        <div class=\"vertical-line\"><\/div>\n        <div class=\"text\"><b>Know About :<\/b> <a href=\"https:\/\/unicreds.com\/blog\/a-comprehensive-guide-to-education-loans\"target=\"_blank\"rel=\"noopener noreferrer\">All about education loans<\/a><\/div>\n    <\/div>\n\n\n\n<p><\/p>\n\n\n\n<div style=\"text-align: center;\">\r\n    <button style=\"background-color: #289048; color: white; border: none; padding: 10px 20px; border-radius: 5px; font-size: 18px; font-weight: bold;\">\r\n        <a href=\"https:\/\/unicreds.com\/education-loan-eligibility?utm_source=uc-blog&amp;utm_medium=organic&amp;utm_campaign=eligibility-button\" target=\"_blank\" style=\"text-decoration: none; color: white;\" rel=\"noopener\">Check Your Eligibility<\/a>\r\n    <\/button>\r\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documents_Required_For_Education_Loan_%E2%80%93_Process_Based\"><\/span><strong>Documents Required For Education Loan \u2013 Process Based<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Pre-Approval Documentation: Required documents for student loan application, including KYC forms and collateral documents.<\/li>\n\n\n\n<li>Post Approval Documentation: Documents needed to confirm the loan application and approval, such as admission offer letter and loan agreement.<\/li>\n\n\n\n<li>Post Sanction\/Disbursal Documentation: Documents for managing the education loan after sanction, such as college fee receipts and consent for co-applicant removal.<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documents_Required_For_Education_Loan_%E2%80%93_Banks_Vs_NBFCs_Vs_International_Lenders\"><\/span><strong>Documents Required For Education Loan \u2013 Banks Vs. NBFCs Vs. International Lenders<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>The processing time for education loans obtained from government or private banks, NBFCs (Non-Banking Financial Companies), or international private lenders varies based on the documentation requirements. As the number of required documents increases, the processing time also tends to increase. NBFCs simplify loan processing by eliminating the need for collateral, thereby reducing paperwork.<\/p>\n\n\n\n<p>Similarly, some students opt for International Private Student Loans when their documentation does not meet the standards of domestic student loan lenders. These loans also involve a considerable amount of paperwork. However, they offer additional benefits such as an international credit line, better options for student loan refinancing, and more. Documentation related to international scholarships for higher education also plays a significant role. Not all lenders allow the adjustment of scholarships with margin payments for student loans.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Identification documents:&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Personal Identification<\/li>\n\n\n\n<li>Adress Proof<\/li>\n\n\n\n<li>Age Proof<\/li>\n\n\n\n<li>Co-applicant identification<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Legal Documents:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Student acceptance letters.<\/li>\n\n\n\n<li>Visa approval forms.<\/li>\n\n\n\n<li>Indian Income Tax Returns.<\/li>\n\n\n\n<li>International Scholarship award certificate.<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Subsidy Documents (does not apply for NBFCs):&nbsp;<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Minority caste certificate issued by the relevant government authority.<\/li>\n\n\n\n<li>Documents verifying disability\/illness and indicating the degree of disability.<\/li>\n\n\n\n<li>Merit and extra-curricular certificates (if applicable).<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Financial Documents:&nbsp;<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Immovable collateral documents (not for NBFCs)&nbsp;<\/li>\n\n\n\n<li>Bank documents<\/li>\n\n\n\n<li>Movable property documents (not for NBFCs)&nbsp;<\/li>\n\n\n\n<li>Proof of income&nbsp;<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Academic Documents:&nbsp;<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Admission proof<\/li>\n\n\n\n<li>Previous academic record<\/li>\n\n\n\n<li>Supporting academic documents for study abroad<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documents_Required_For_Education_Loan_%E2%80%93_Based_On_Lender_Criteria\"><\/span><strong>Documents Required For Education Loan \u2013 Based On Lender Criteria<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Academic documents: Required for international admission, such as marksheets, admission letter, exam scores, and passing certificates.<\/li>\n\n\n\n<li>Financial documents: Needed for education loan application, including collateral deeds, bank statements, and other financial background information.<\/li>\n\n\n\n<li>Identification or KYC documents: Essential for verifying the applicant&#8217;s identity and opening a loan account, such as Aadhaar card, utility bills, etc.<\/li>\n\n\n\n<li>Legal and institutional documents: Mandatory for study abroad applications, such as income-tax returns (ITR), visa documents, immigration approvals, affidavits of collateral, and loan agreement.<\/li>\n\n\n\n<li>Subsidy documents: Often overlooked by students, these include income, gender, and minority-related documents to meet eligibility criteria for government education loan subsidy schemes or private bank schemes.<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documents_Required_For_Education_Loan_To_Study_Abroad_With_International_Private_Student_Loan_Lenders\"><\/span><strong>Documents Required For Education Loan To Study Abroad With International Private Student Loan Lenders<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Identification documents:&nbsp;<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Personal Identification<\/li>\n\n\n\n<li>Adress Proof<\/li>\n\n\n\n<li>Age Proof<\/li>\n\n\n\n<li>Co-applicant identification<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Legal Documents:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Student acceptance letters.<\/li>\n\n\n\n<li>Visa approval forms.<\/li>\n\n\n\n<li>Indian Income Tax Returns.<\/li>\n\n\n\n<li>International Scholarship award certificate.<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Financial Documents:&nbsp;<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Immovable collateral documents (not for NBFCs)&nbsp;<\/li>\n\n\n\n<li>Bank documents<\/li>\n\n\n\n<li>Movable property documents (not for NBFCs)&nbsp;<\/li>\n\n\n\n<li>Proof of income&nbsp;<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Academic Documents:&nbsp;<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Admission proof<\/li>\n\n\n\n<li>Previous academic record<\/li>\n\n\n\n<li>Supporting academic documents for study abroad<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Additional_Requirements_For_DACA_Student_Loans_And_FAFSA_Students_Aid_For_Education_Loan_To_Study_abroad_In_USA\"><\/span><strong>Additional Requirements For DACA Student Loans And FAFSA Students Aid For Education Loan To Study abroad In USA<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Proof of immigration status:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Permanent Resident Card I-551 or Conditional Green Card I-551C<\/li>\n\n\n\n<li>Deferred Action for Childhood Arrivals (DACA) or Victims of Violence Against Women Act (VAWA) certification<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Identification number:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Social Security Number or University-issued Security Number.<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documents_Required_For_Education_Loan_To_Study_Abroad_Co-applicant_Management_And_Turn-Around-Time\"><\/span><strong>Documents Required For Education Loan To Study Abroad: Co-applicant Management And Turn-Around-Time<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Timing of student loan application is of great importance. International private student loan lenders typically have a turnaround time of 30-45 days. Similarly, secure student loans for studying abroad generally materialise within 10-20 days. Some NBFC organisations can provide loans within 5-12 days, depending on the quality of documents provided by the applicant. Post-application management of student loan documentation is also a matter of concern for many students. Refinancing a student loan for studying abroad requires a strong credit history, along with relevant documents to substantiate it. The removal or inclusion of a co-applicant also necessitates students to present valid documents.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Procedure_For_Getting_An_Education_Loan_For_Studying_Abroad\"><\/span><strong>Procedure For Getting An Education Loan For Studying Abroad<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>The entire education loan application procedure is a time-consuming process. From loan application to approval and disbursement, there are many moving parts. This is why it is advisable to apply for an education loan a little early. Here are the steps involved in applying for a student loan &#8211;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Ensure that the course in which you are going to study is recognized by the banks.<\/li>\n\n\n\n<li>Estimate how much loan amount you will need.<\/li>\n\n\n\n<li>Also, figure out how much money you will arrange on your own.<\/li>\n\n\n\n<li>Compare the student loan provided by different banks for studying abroad and go for the one which caters best to your needs.<\/li>\n\n\n\n<li>Once you have selected a bank and loan amount, fill out the loan application form and approach your bank.<\/li>\n\n\n\n<li>As soon as your loan is approved, the bank will issue a list of documents required for education loans abroad.<\/li>\n\n\n\n<li>Once the documents required for education loans abroad are verified and after the loan agreement is signed, the bank will disburse the amount in instalments or as asked by the university.<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<style>\n        .container {\n            width: 100%;\n            height: 70px;\n            background-color: #F5F5F5;\n            position: relative;\n        }\n        .vertical-line {\n            position: absolute;\n            left: 0;\n            top: 0;\n            width: 7px;\n            height: 100%;\n            background-color: #417B28;\n        }\n        .text {\n            position: absolute;\n            left: 25px;\n            top: 50%;\n            transform: translateY(-50%);\n            color: black;\n            font-family: \"Poppins\", sans-serif;\n            font-size: 18px;\n            padding: 0;\n        }\n        \/* The new CSS class for the anchor tag *\/\n        .link {\n            line-height: 1.5; \/* Default line height for desktop *\/\n        }\n        \/* CSS Media Queries *\/\n        @media only screen and (max-width: 768px) {\n            .container {\n                height: 100px;\n            }\n            .vertical-line {\n                width: 5px;\n            }\n            .text {\n                font-size: 14px;\n            }\n            \/* Increase the line height for mobile *\/\n            .link {\n                line-height: 2;\n            }\n        }\n        @media only screen and (max-width: 480px) {\n            .container {\n                height: 80px;\n            }\n            .vertical-line {\n                width: 3px;\n            }\n            .text {\n                font-size: 14px;\n            }\n            \/* Increase the line height for mobile *\/\n            .link {\n                line-height: 1.5;\n            }\n        }\n    <\/style>\n\n    <div class=\"container\">\n        <div class=\"vertical-line\"><\/div>\n        <div class=\"text\"><b>Know About :<\/b> <a href=\"https:\/\/unicreds.com\/blog\/how-to-get-a-lower-interest-rate-on-an-education-loan\"target=\"_blank\"rel=\"noopener noreferrer\">Education loan at low interest rate<\/a><\/div>\n    <\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>This is the traditional way of applying for an education loan to study abroad. With UniCreds you can get past several steps and fast-track your entire education loan process.&nbsp;<\/p>\n\n\n\n<p>Simply give a call on 0008000403523 or send a mail on contact@unicreds.com and one of UniCreds\u2019 experienced education loan consultants will guide you throughout the education loan process, right from selecting the right bank and documents required for education loans abroad to loan approval and disbursement.&nbsp;&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Here_is_why_you_should_trust_UniCreds\"><\/span><strong>Here is why you should trust UniCreds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>No hidden fees whatsoever<\/strong><\/p>\n\n\n\n<p>Our services are free of cost.<\/p>\n\n\n\n<p><strong>Flexible collateral requirements<\/strong><\/p>\n\n\n\n<p>Students can find a wide range of education loans with little-to-no collateral requirements.<\/p>\n\n\n\n<p><strong>Up to 100% finance<\/strong><\/p>\n\n\n\n<p>Find education loans that cover your entire cost of education including fees, accommodation, insurance, travel and more.<\/p>\n\n\n\n<p><strong>Affordable EMIs<\/strong><\/p>\n\n\n\n<p>Find customised repayment solutions.<\/p>\n\n\n\n<p><strong>The lowest rate of interest<\/strong><\/p>\n\n\n\n<p>Thanks to our partnerships with top lenders, our students can find the lowest rate of interest on their education loans.<\/p>\n\n\n\n<p><strong>Minimum documentation requirements<\/strong><\/p>\n\n\n\n<p>We provide a concise list of documents required for education loans abroad.&nbsp;<\/p>\n\n\n\n<p><strong>Attractive tax benefits<\/strong><\/p>\n\n\n\n<p>The interest paid on education loans can be claimed as dedication as per the Income Tax Act.<\/p>\n\n\n\n<p><strong>24\/7 service<\/strong><\/p>\n\n\n\n<p>Students can expect around-the-clock service from UniCreds.<\/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. Are original documents required for education loans?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Banks impose several terms and conditions on applicants before granting education loans. To make the most of the services offered by the bank, each prospective student loan applicant must abide by these terms and conditions. This includes having all necessary original documentation available.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. What is proof of income for an education loan?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Before approving your loan application, education loan lenders look for income proof from your co-applicant. Salary slips or salary certificates from the last three months, copies of Form 16, last 2-3 years of IT returns, last 6 months of bank account statements, and other documents are accepted as proof of income for education loans.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Is a GAP certificate necessary for an education loan?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>A student who has taken one or more gap years after high school and is applying for admission to a university or college after the gap period will need to provide a GAP affidavit or certificate. Yes, an educational gap of more than three months must be justified in writing to the bank or by providing a gap certificate.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Is ITR required for an education loan?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Yes, the ITR is required for an education loan. The co-applicants ITR documents of at least 2 years are a mandatory requirement to be able to borrow an unsecured education loan. A high CIBIL score is required for the co-applicant.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. What is proof of admission to the course for an education loan?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Certain documents are considered valid proofs of identification in the banking community, despite the common discourse about identity proofs. Both applicants and co-applicants must submit their respective identity documents. Identity proofs for education loan applications include not only photo identification but also proof of residence.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Popular Loans<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/unicreds.com\/usa\"><strong>Student loans to study in USA<\/strong><\/a> <strong>|<\/strong> <strong><a href=\"https:\/\/unicreds.com\/uk\" target=\"_blank\" rel=\"noreferrer noopener\">Loans for studying in UK<\/a> | <a href=\"https:\/\/unicreds.com\/canada\" target=\"_blank\" rel=\"noreferrer noopener\">Study loan for Canada<\/a> | <a href=\"https:\/\/unicreds.com\/ireland\" target=\"_blank\" rel=\"noreferrer noopener\">Education loan Ireland<\/a> | <a href=\"https:\/\/unicreds.com\/australia\" target=\"_blank\" rel=\"noreferrer noopener\">Education loan for studying in Australia<\/a> | <\/strong><a href=\"https:\/\/unicreds.com\/new-zealand\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>New Zealand student loan<\/strong><\/a> <strong>|<\/strong><\/p>\n\n\n\n<p><em>If you&#8217;re someone who wants to share your valuable experiences through a blog, we\u2019re more than happy to collaborate. Write to us at contact@unicreds.com to know more about our guest-post submission process. If you need any assistance with student accommodation or scholarships, head over to <\/em><a href=\"https:\/\/uniacco.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><em>UniAcco<\/em><\/a><em> and <\/em><a href=\"https:\/\/unischolars.com\" target=\"_blank\" rel=\"noreferrer noopener\"><em>UniScholars<\/em><\/a><em> respectively.<\/em><\/p>\n\n\n\n\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\": \"Are original documents required for education loans?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Banks impose several terms and conditions on applicants before granting education loans. To make the most of the services offered by the bank, each prospective student loan applicant must abide by these terms and conditions. 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Identity proofs for education loan applications include not only photo identification but also proof of residence.\"\n    }\n  }]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>The decision to study abroad can be a life-changing one, however, it does not come easy. While the competition of getting into the most prestigious universities in the world is fierce, other factors like funding can put a significant dent in your study abroad dreams. Being one of India\u2019s largest education loan marketplaces, UniCreds is [&hellip;]<\/p>\n","protected":false},"author":91,"featured_media":27060,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[2578],"tags":[],"class_list":["post-9637","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>List of Documents Required for Education Loans to Study Abroad - UniCreds Blog<\/title>\n<meta name=\"description\" content=\"Most international students rely on education loans to fund their overseas studies. 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