Calculate the complete study cost

Tuition is only one line in an education budget. Add accommodation, food, travel, equipment, insurance, visa costs and an emergency reserve.

Understand the moratorium

A repayment holiday does not always mean interest stops. Ask whether simple or compound interest accrues during the study and moratorium period, and compare the benefit of servicing interest early.

For overseas study

  • Model currency movement, not only today's exchange rate
  • Check remittance and conversion charges
  • Verify which expenses the lender disburses directly
  • Keep a contingency for delayed part-time income

    • Compare co-applicant responsibilities

    Families should discuss who is legally responsible, how repayment will begin and what happens if employment is delayed.

    Always verify current lender terms and education-loan rules from official documents. Admission does not guarantee financing.