Admission & Finance
Education Loan Options From India
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Secured Education Loan (With Collateral): Offers lower interest rates and requires security (property, land, FD, LIC policy).
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Unsecured Education Loan (Without Collateral): No security is required, provided by select banks and NBFCs, with slightly higher interest rates.
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Loan for Visa + Living Expenses: Specifically covers travel, accommodation, food, personal expenses, and medical insurance.
| Bank | Loan Scheme | Key Features |
|---|---|---|
| State Bank of India (SBI) | Global Ed-Vantage | Up to ₹1.5Cr., Competitive interest |
| Bank of Baroda | Baroda Scholar Loan | Covers tuition, hostel, travel, lower interest |
| Punjab National Bank | PNB Udaan | For Study Abroad, flexible repayment |
| Canara Bank | IBA Model Education Loan | Low interest for study abroad |
| Union Bank of India | UB Global Ed Loan | Covers Europe & Romania |
🏦 Private Banks & NBFCs
Private Banks: HDFC Bank (No collateral up to ₹45–50 lakh, Fast processing), ICICI Bank (High loan amounts), Axis Bank (No-collateral option, Quick approval), IDFC First Bank (Unsecured loans for Europe).
NBFC Loan Providers: HDFC Credila, Avanse Financial Services (Up to 100% funding), InCred Finance, Auxilo, and Prodigy Finance (No-cosigner, no collateral, for Postgraduate only).
📜 Eligibility & Documents
Eligibility Criteria: Indian citizen, admission letter from a Romanian university, qualified 12th or bachelor’s degree, co-applicant, and basic financial credibility.
Required Documents:
Student: Passport, Admission letter, Fee structure, Academic certificates, Entrance exams (if any), Visa documents, Statement of Purpose.
Co-Applicant: PAN, Aadhaar, Bank statements (6–12 months), ITR, Collateral papers (if secured loan).
How Student for Romania Helps?
We assist you with: Choosing the best bank, Arranging all documents, Preparing financial statements, Co-applicant eligibility, Faster loan approval, Tuition fee transfer support, and Blocked account assistance (if any).
Language & Entrance Exams
Exams Widely Accepted by Romanian Universities
| Exam | Used For | Notes |
|---|---|---|
| IELTS / TOEFL iBT | English Proficiency for admission | Accepted by almost all universities for all programs. |
| PTE Academic | English-language proof | Increasingly recognized. |
| Duolingo English Test | English-language proof | Accepted by several universities; fast and affordable. |
| Cambridge English | Advanced English Certification | Strongly Accepted. |
| OET | Healthcare Programs | May be accepted as proof of English proficiency. |
Specific Program Exams & Waivers
GRE/GMAT: Accepted only for specific programs (e.g., Technical Master’s, MBA at ASE Bucharest).
Not Accepted: SAT/ACT (US-style tests), CELPIP/CAEL (Canadian), CGFNS, and Professional Licensing Tests (USMLE/PLAB).
Advice: Always verify the specific exam required by the university. You do not need professional licensing exams (like USMLE) for admission.
Global Career Exams
🩺 1. Medical Exams
| Exam | Purpose & Acceptance | Websites |
|---|---|---|
| USMLE | Practice medicine in the USA | www.usmle.org |
| UKMLA / PLAB | Practice as a doctor in the UK | www.gmc-uk.org |
| MCCQE | Practice medicine in Canada | www.mcc.ca |
| AMC Exam | Practice in Australia | www.amc.org.au |
| Middle East Licensing | Work in UAE, Qatar, KSA (DHA, HAAD, SMLE) | dha.gov.ae, doh.gov.ae, scfhs.org.sa |
📘 2. Non-Medical Exams
GRE: Masters/PhD abroad (USA, Canada, Europe) | Website: www.ets.org/gre
GMAT: MBA & business programs (USA, UK, Europe) | Website: www.mba.com
LSAT: Law School Admission Test (USA, Canada, Australia) | Website: www.lsac.org
SAT: Undergraduate Programs (USA + Global) | Website: www.collegeboard.org
Language Exams: IELTS, TOEFL, PTE, TestDaF (German), DELF/DALF (French).