Studying Abroad 20 Kg For 4 Years

Is it possible to get a student loan (up to 20-25L) for studying abroad without collateral security?

My son went to USA for his MS. As a CA in practice I knew that banks would ask for Collaterals if the education loan amount exceeds Rs.7.5 Lakhs. So I approached Credila which is an associate of HDFC Bank. They gave me a loan of Rs. 15.00 Lakhs without Collaterals. However they have verified the following before sanctioning.My I T returns and my wife I T returns for last three years along with Profit and Loss Account and Balance Sheet.My son's GRE scores and TOEFL scores, the good scores mean better chances and lower rate of interest .My CIBIL score was very good. Almost no current loans or even credit cards as I do not have a Credit Card.4. I 20 — an I 20 from good university certainly helps.5 . In course of discussion I was told that they will not encourage students going to U K , New Zealand and other countries which have tough immigration policies.6. Please always remember that loans are given only after certain norms are satisfied. Most of the loans are need based and the amount of the loan is always decided based on parents income and repayment capacity.Hope this answer helps you.

What are the things that an Indian student should carry while moving to Germany for studies?

Last minute panic and packing issues are always there but first, take a deep breath.Now, there must be a tonnes of things you wanna get along. But important and most important ones are as follows:1) inner wears - they are relatively expensive here2) thermal wears - 3 to 4 pairs3) jeans - 4 to 5 because more than that isn't required to be honest4) t-shirts - say about 10-14...depends on you...but that's more than enough...5) slippers for home6) sport shoes for everyday use7) boots for wearing while going out casual...8) towel- 2 are enough9) socks - 5 to 6 pairs are fine10) cream and lip balm and face wash - say 2 each11) body wash/shampoo and all that - 1 small each for first few days coz its really cheap there... and no need to carry that weight12) bed sheet - 2 single ones13) blanket - 1 is enough because we bought another one here itself to put it on bed sheet...and that's more than enough to keep us warm since heaters are on all the time...14) JACKET & CAP & GLOVES & MUFFLER! - 1 each but best quality like from eastern or western stores.15) Formal shirts + Suit (1)16) 1 or 2 ethnic wear17) Medicines- for all kinds of problems with prescriptionThat's all the things you need for yourself...And now -some extra things:StationaryLaptop accessoriesUniversal converterA lunch box kind of box for yourselfVERY IMPORTANT - all your documents and 2 copies of each! with BIOMETRIC photos - at least 20 photos!!!So I know keeping all this in one suitcase is quite difficult. But there's a solution !Keep your minimum pair of clothes/bed sheet/blanket/jacket/warm wear/laptop and few important things like personal things with you while coming.Rest all will cost u Rs 5500 to send 20 kgs in around 15 days by Indian post!I think I've covered everything for you. All the best! P.S. Don't forget to put a label/tag on your bags with your details (not all) on it, the first time you are traveling.

How much gap is acceptable in studies for Canadian visa?

Study gap is not a matter of worry, if you have valid reasons and concerns for the same. In some cases, students get approved even with a gap of 5 years. So if you are having the gap upto 5 years, then it can be handeled. Having gap for more that 5 years can create a issue for getting a visa.