{"id":7246,"date":"2023-09-23T18:54:24","date_gmt":"2023-09-23T13:24:24","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=7246"},"modified":"2025-01-30T16:56:07","modified_gmt":"2025-01-30T11:26:07","slug":"government-education-loans-to-study-in-the-usa","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/education-loan\/government-education-loans-to-study-in-the-usa\/","title":{"rendered":"Government Education Loan \/ Study \/ USA"},"content":{"rendered":"\n<p>Studying in the USA is a dream and to live that dream there are certain ways which can ease the process. Education loan is one such way to ease out the study abroad process. To avoid any kind of financial crunch and instability education Loan serves the purpose. If you can\u2019t afford higher education in your dream country or dream university, then study abroad scholarships or an education loan to study abroad can help you out in pursuing quality education in your dream university.\u00a0<\/p>\n\n\n\n<p>The Indian government extended its hands to help the students in pursuing their higher education in the USA. It introduced a number of education loans and interest subsidy schemes to motivate the students to study further. The easily accessible and affordable education loan is easily available on the website of the Indian government. One needs to fulfil the required eligibility criteria and apply on the official website of the Indian government i.e., Vidya Lakshmi. In this blog, we will explore education loans provided by the government of India, their benefits, eligibility criteria, and much more.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-3-best-government-education-loans-to-study-in-the-usa\" data-level=\"2\">3 Best Government Education Loans to Study in the USA<\/a><ul><li><a href=\"#h-vidya-lakshmi-education-loan\" data-level=\"3\">Vidya Lakshmi Education Loan<\/a><\/li><li><a href=\"#h-dr-ambedkar-central-sector-scheme\" data-level=\"3\">Dr Ambedkar Central Sector Scheme<\/a><\/li><li><a href=\"#h-education-scheme-loan-of-nbcfdc\" data-level=\"3\">Education Scheme Loan of NBCFDC<\/a><\/li><\/ul><\/li><li><a href=\"#h-eligibility-criteria-to-avail-education-loan-to-study-in-the-usa\" data-level=\"2\">Eligibility Criteria to Avail Education Loan to Study in the USA<\/a><\/li><li><a href=\"#h-documents-required-to-apply-for-an-educational-loan-to-study-in-the-usa\" data-level=\"2\">Documents Required to Apply for an Educational Loan to Study in the USA<\/a><\/li><li><a href=\"#h-expenses-covered-under-an-education-loan-to-study-in-the-usa\" data-level=\"2\">Expenses Covered Under an Education Loan to Study in the USA<\/a><\/li><li><a href=\"#h-faqs\" data-level=\"2\">FAQs<\/a><\/li><\/ul><\/div>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/lh6.googleusercontent.com\/ysi7SNWnh2BZUJJ4SJLHGoEq-eVULURqMr0awybSpAspfkXW9ZU_JCXyNbJtLMjnxBND_Ahl7SHaOYXt9wUoyNaYB-PQYYTMewhB7NGiH-aoxeCIGPwV_pUtq2iHbbMxB1q35C5hjSat-R0AZ9ag5fY\" alt=\"\"\/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-best-government-education-loans-to-study-in-the-usa\"><span id=\"3-best-government-education-loans-to-study-in-the-usa\">3 Best Government Education Loans to Study in the USA<\/span><\/h2>\n\n\n\n<p>Although, the government of India is offering various education loans to motivate students to higher education. Some of the best <a href=\"https:\/\/fly.finance\/loans\">education loans<\/a> are mentioned below.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-vidya-lakshmi-education-loan\"><span id=\"vidya-lakshmi-education-loan\">Vidya Lakshmi Education Loan<\/span><\/h3>\n\n\n\n<p>Under the <a href=\"https:\/\/fly.finance\/blog\/education-loan\/vidya-lakshmi-portal-education-loan\/\">Vidya Lakshmi education loan<\/a>, the government offers to study in the USA with a loan amount of up to 30 lakhs. The student needs to complete the 12th class from a recognised board to avail this loan. A letter of acceptance is also required to apply for this loan. Also, an applicant should be a citizen of India to be an applicant for this loan. The loan is offered to students who are planning higher education including undergraduate programs, postgraduate programs, and doctoral programs.<\/p>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Types of Education Loans for Indian Students<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-dr-ambedkar-central-sector-scheme\"><span id=\"dr-ambedkar-central-sector-scheme\">Dr Ambedkar Central Sector Scheme<\/span><\/h3>\n\n\n\n<p>Under this scheme of education loans, the government is providing 100% subsidy to minority students. The caste certificate is mandatory to apply for an education loan under Dr Ambedkar Central Sector Scheme. Before applying for an education loan under this scheme you should be aware of the eligibility criteria. An applicant must have scored at least 60% from a recognised board or institution. Also, a caste certificate is mandatory to apply for an education loan under this scheme. Also, note that this scheme can be availed only once. Only post-graduation courses and Doctoral programs are covered under this scheme.&nbsp;<\/p>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: 5 Things to Keep in Mind to Apply for an Education Loan<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-education-scheme-loan-of-nbcfdc\"><span id=\"education-scheme-loan-of-nbcfdc\">Education Scheme Loan of NBCFDC<\/span><\/h3>\n\n\n\n<p>This education loan scheme is specifically for people belonging to the below-poverty line (BPL) category. The loan amount offered under this scheme is up to 20 lakhs. The best part is it can be availed for any kind of higher education program. A caste certificate is mandatory to avail of this scheme. Also, excellent academic performance is required with at least 70% marks in 12th standard from a recognised board or institution. An applicant must have an income certificate with less than 3.3 lakhs income annually.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/lh6.googleusercontent.com\/ng9XGWYmcn8NSYpIbLLLqJQLlha9BAo9xHwIJGf8BeVO__JTnnO0qA_ZJmq2J5WDvkzduCRhGWvU_9I5BEAQlDCHTH0Hvw1kyXHF8AEfEwnpTRx0oXEDaVjz7EZ4bZaQ4OupZaoryRBtQb2oPkGFB5I\" alt=\"\"\/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eligibility-criteria-to-avail-education-loan-to-study-in-the-usa\"><span id=\"eligibility-criteria-to-avail-education-loan-to-study-in-the-usa\">Eligibility Criteria to Avail Education Loan to Study in the USA<\/span><\/h2>\n\n\n\n<p>One needs to fulfil the eligibility requirements. Always make sure to check the eligibility requirements before applying for the loan.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>One needs to be a citizen of India to apply for the loan.<\/li>\n\n\n\n<li>The applicant should be 18+ years of age.<\/li>\n\n\n\n<li>Technical or professional courses get priority for loan applications.<\/li>\n\n\n\n<li>The student must have an acceptance letter from a reputed authorised university in the USA.<\/li>\n\n\n\n<li>Excellent academic record required.<\/li>\n\n\n\n<li>The annual family income should be below 3 lakh.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/mL_mhV9v-FM3gIT5PYXMycgXdHxKSNRdQiSqML80gt9fNmg0tar85hTznxuHfofftTNesSpYwmT3Jk8r8AbX4qVTb3RJdnTCVAjwQ8JhLYXT-8M29H4V8seX96vAndqn9lq_x7wTVkPYgSyP66vuhh4\" alt=\"\"\/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-documents-required-to-apply-for-an-educational-loan-to-study-in-the-usa\"><span id=\"documents-required-to-apply-for-an-educational-loan-to-study-in-the-usa\">Documents Required to Apply for an Educational Loan to Study in the USA<\/span><\/h2>\n\n\n\n<p>There are several documents required to apply for an education loan in the USA. Some of the basic requirements include<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Valid and government-issued identity proof.<\/li>\n\n\n\n<li>Residence proof of an applicant.<\/li>\n\n\n\n<li>Marksheets and provisional certificates of the applicant.<\/li>\n\n\n\n<li><a href=\"https:\/\/leverageedu.com\/tests\/gre\/\"><strong>GRE<\/strong><\/a>, <a href=\"https:\/\/leverageedu.com\/tests\/gmat-exam\/\"><strong>GMAT<\/strong><\/a>,<strong> <\/strong><a href=\"https:\/\/leverageedu.com\/tests\/toefl\/\"><strong>TOEFL<\/strong><\/a>, and <a href=\"https:\/\/leverageedu.com\/tests\/ielts-exam\/\"><strong>IELTS<\/strong><\/a> scorecard, if applicable.<\/li>\n\n\n\n<li>Letter of acceptance from a recognized university.<\/li>\n\n\n\n<li>Income certificate of the applicant.<\/li>\n\n\n\n<li>Property title deed and NOC for collateral documentation.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/lh6.googleusercontent.com\/cBW8vUKKJOn851qG9hA7pGAJuClRyLxI20XxkXUX2SIzZaSSRZQsJzeS-F8hHFQNdd5D-3e3xXUOEVAC8musGt7TMp3Qi7hGr0QJTHqPQr0QpoZScMp8_9_GqBFz9VpnAYWvcVTgWbfvabbOY3I9Ki0\" alt=\"\"\/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-expenses-covered-under-an-education-loan-to-study-in-the-usa\"><span id=\"expenses-covered-under-an-education-loan-to-study-in-the-usa\">Expenses Covered Under an Education Loan to Study in the USA<\/span><\/h2>\n\n\n\n<p>The expenses covered under the loans may vary as per the choice of the scheme. Most of the schemes covered tuition fees. But these days there are loans that cover accommodation charges, lodging expenses, examination fees, etc. The basic expenses covered in almost all loan schemes are<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Admission fees and tuition fees<\/li>\n\n\n\n<li>Examination fees<\/li>\n\n\n\n<li>Books, equipment, instruments, laboratory fees<\/li>\n\n\n\n<li>Travel expenses including boarding and lodging.<\/li>\n\n\n\n<li>Insurance premium, if applicable<\/li>\n\n\n\n<li>Other expenses including thesis, study tour, etc.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/lh5.googleusercontent.com\/8ET63FeOnrdqYLAFnzLieQ_sAY4VmQbEDrx4ry_rixp30DUsvJlYNuJVKoYTsXD_sXZjnnHrPkmzQpZBxNGE6d2WSXk78lj8RjyNX-PiyIfIQjuDry2_m3o--QaEFUH4rJkyxlXWBbaJrrNy7qo_wLA\" alt=\"\"\/><\/figure>\n<\/div>\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\">Also Read: List of Top International Student Loans<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span id=\"faqs\">FAQs<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1695475161802\"><strong class=\"schema-faq-question\">What is the minimum percentage required to apply for an education loan for USA?<\/strong> <p class=\"schema-faq-answer\">At least 60% marks from a recognised board or institution are required to avail an education loan.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1695475174335\"><strong class=\"schema-faq-question\">What are the essential required documents to apply for an education loan?<\/strong> <p class=\"schema-faq-answer\">The essential documents required to apply for a government loan to study in the USA include<br\/>&#8211; Aadhar card\/PAN card\/birth certificate<br\/>&#8211; Residence proof<br\/>&#8211; Income certificate<br\/>&#8211; Academic scorecards and transcripts<br\/>&#8211; Acceptance letter from a university in the USA\u00a0<br\/>&#8211; Self-declaration form<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1695475198387\"><strong class=\"schema-faq-question\">Can I get an education loan without collateral for USA?<\/strong> <p class=\"schema-faq-answer\">Yes, a loan of up to INR 4 lakhs can be availed without collateral. It may vary depending on the bank and the amount of loan you have chosen.<\/p> <\/div> <\/div>\n\n\n\n<p>You just need to fulfil the eligibility criteria and essential requirements to avail an education loan. It is advisable to approach government education loans or interest subsidy schemes once you get approval from your dream university. As soon as you get the letter of acceptance from the university, the approval of a loan under any governmental scheme will be streamlined immediately. Also, be aware of all the news and amendments of the governmental schemes.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Studying in the USA is a dream and to live that dream there are certain ways which can ease the process. Education loan is one such way to ease out the study abroad process. To avoid any kind of financial crunch and instability education Loan serves the purpose. If you can\u2019t afford higher education in &#8230; <a title=\"Government Education Loan \/ Study \/ USA\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/education-loan\/government-education-loans-to-study-in-the-usa\/\" aria-label=\"Read more about Government Education Loan \/ Study \/ USA\">Read more<\/a><\/p>\n","protected":false},"author":25,"featured_media":7249,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-7246","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Government Education Loan \/ Study \/ USA<\/title>\n<meta name=\"description\" content=\"This blog includes the details about the Government Education Loans to Study in the USA. 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She carries over a decade of experience in Journalism and Mass Communication and worked with some renowned media organisations like Doordarshan and Zee Media. She performed numerous roles during her work tenure including reporting, anchoring, and heading output as well. Her passion for writing, combined with dedication in delivering high-quality content, drives her to excel in the dynamic field of content writing. 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It may vary depending on the bank and the amount of loan you have chosen.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/7246","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/comments?post=7246"}],"version-history":[{"count":5,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/7246\/revisions"}],"predecessor-version":[{"id":17391,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/7246\/revisions\/17391"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media\/7249"}],"wp:attachment":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media?parent=7246"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/categories?post=7246"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/tags?post=7246"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}