Student case study · UK · Sep 2025
Rekha, from Pokhara to Glasgow.
MSc Public Health, Glasgow
Loan sanctioned in 6 weeks, visa approved in 18 days.
Illustrative photo, not Rekha.
- From
- Pokhara
- Before
- Told an education loan would take 3 months
- Course
- MSc Public Health
- Where
- Glasgow, UK
- Counsellor
- Rachana Shrestha
Where Rekha started.
Told an education loan would take 3 months.
- Family savings covered tuition but not the living funds.
- The first bank quoted 3 months; her CAS deadline was 7 weeks away.
What we changed.
- Prabesh prepared the loan file before she went to the bank: land ownership certificate, valuation, the offer letter and a one-page cost sheet.
- We worked back from the CAS date so the 28 days of funds finished in time.
How the file came together.
May 2025
First call: offer in hand, loan not started.
May 2025
Loan file and a dated plan by 8 pm.
Jun 2025
Loan sanctioned in 6 weeks.
Jul 2025
28 days of funds complete; visa lodged.
Aug 2025
Approved in 18 days.
Sep 2025
Started in Glasgow.
The result.
Loan sanctioned in 6 weeks, visa approved in 18 days.
- A second bank, with the land papers ready on day one.
- Funds held for 28 days before the deadline.
- MSc Public Health in Glasgow, September 2025.
Today: Finishing her dissertation on maternal health in rural Nepal.
Our approval rate for the UK in FY 2025/26: 91.2% (352 of 386 files). How we count it
In Rekha's words.
"The loan was the part I was scared of. They gave the bank a file it could say yes to."
What this means for your file.
- Find the one thing blocking your file first. For Rekha it was: told an education loan would take 3 months.
- Choose the course for the job after it. We worked back from the CAS date so the 28 days of funds finished in time.
- Get the plan in writing before you pay. Every option, its total cost in rupees and our commission, by 8 pm the day you call.
