Fund your French degree with the right education loan
Collateral and collateral-free loans through 10+ banks and lenders, with Hello France handling the paperwork from your first call to final disbursal.
Why take your loan with Hello France
Education loans are paperwork-heavy and deadline-driven. We make the process clear and keep it moving.
10+ bank partnerships
We work with multiple banks and lenders, so you can compare options instead of settling for the first offer.
Collateral and collateral-free
We help you explore both secured and unsecured loans, based on your profile, university and co-applicant.
Visa-ready documents
We guide you on the financial evidence your France visa file needs, so it stays on track.
Faster follow-up
Our team tracks your application with the lender and responds quickly to document requests.
End-to-end paperwork
From document checklist to sanction letter, we help you prepare and check every form.
Free flight ticket*
Process your education loan with Hello France and get a free flight ticket. Terms & Conditions apply.
What your loan can cover
Coverage varies by lender, but most education loans for France can include:
EMI calculator
Move the sliders to estimate your monthly repayment.
Illustrative only. Your actual rate, tenure and EMI depend on the lender, loan type and your profile. Any moratorium period is not included.
Collateral vs collateral-free
A quick comparison. Your best option depends on your profile and the lender.
| Feature | With collateral | Without collateral |
|---|---|---|
| Security needed | Property or other assets offered as security | No asset pledged |
| Approval depends on | Collateral value, co-applicant and student profile | Student profile, university, course and co-applicant income |
| Loan amount | Can support larger amounts for higher-cost plans | Limits vary by lender and profile |
| Interest rate | Often lower, depending on the lender | May be higher, depending on the lender |
| Good for | Larger funding needs | Families who prefer not to pledge assets |
Our loan process
Six clear steps from first call to funds in place.
Free loan counselling
We understand your course, budget and family situation.
Choose lender & loan type
We compare collateral and collateral-free options across our partner lenders.
Documents & checks
You share documents and we check each one before submission.
Application & follow-up
We submit your application and follow up until you get a decision.
Sanction letter
You receive your sanction letter, which can support your visa financial evidence when it meets the consulate’s requirements.
Disbursal & visa support
We guide you on disbursal, Campus France and visa timelines.
Documents checklist
Requirements vary by lender, but you can usually expect to need these.
Student
- Passport
- Admission letter from your French institution
- Academic mark sheets and certificates
- English test score, if applicable
- Aadhaar and PAN
- Passport-size photographs
Co-applicant and collateral
- Aadhaar and PAN
- Income proof such as salary slips, Form 16 or ITR
- Recent bank statements
- Relationship proof with the student
- Property or asset papers, if collateral is offered
Get free flight tickets when you process your education loan with us
Free Flight Ticket for students processing their Education Loan with Hello France! (Terms & Conditions Applied)
Education loan FAQs
Straight answers to what students and parents ask us most.
How much money must I show for the France student visa?
Campus France guidance for long-stay student visa applicants is to show resources of at least €615 per month for the length of your stay. The consulate’s checklist decides which documents are accepted, so we confirm the current figures with you before you apply.
Can a loan sanction letter be used as financial evidence?
Which documents are accepted as proof of resources is decided by the French consulate and can change. We check the current France-Visas checklist with you and explain how a sanction letter can fit into your file.
Can I get a loan without collateral?
Often yes, but it depends on the lender, the loan amount, your university and course, your academic profile and your co-applicant’s income. We compare collateral and collateral-free options for you.
What can the loan cover?
Typically tuition fees and living costs, and many lenders also include travel, accommodation, insurance and a laptop. Exact coverage depends on the lender.
When should I apply?
Start once you have an offer, and ideally well before your visa timeline. Early preparation avoids delays when your financial documents are due.
Do I need a co-applicant?
Most lenders ask for a co-applicant, usually a parent or guardian, whose income and documents are assessed along with yours.
When do I start repaying?
Many lenders offer a moratorium, so repayment starts after your course ends plus a grace period. Terms differ by lender, and we explain them clearly before you choose.
Is the interest tax-deductible?
Interest paid on an education loan can qualify for a deduction under Section 80E of the Income Tax Act under the old tax regime. Please confirm your own position with a tax adviser.
How do I get the free flight ticket?
Students who process their education loan with Hello France are eligible for a free flight ticket. Terms & Conditions apply, and our team explains them at counselling.
Ready to fund your French degree?
Speak to a loan expert and get a clear plan for your education loan.
