u/Ancient_Customer_608

Hi y’all, i am thinking of taking up an education loan of about 10–15 lakh and need some advice. My parents have a bad cibil score, so i was wondering if i could put my elder sibling as my co-applicant instead. He earns around 20–25k per month and has a good cibil score. We are left with around 30k a month after all the living and other expenses. This is mostly from my dad's salary

I wanted to know if i could get an education loan without collateral in this situation. I want to study medicine in italy because it seems like the most affordable option for me compared to places like kazakhstan, georgia or russia. Universities there have family income based tuition fees and scholarships, which i will be applying for.

Before all this, i still have to clear the IMAT (which is the entrance exam for international students). If i pass and get selected for the scholarship, the tuition fee could go down to under 500 euros per year. However, i would still need money for living expenses, since living in italy is expensive. Mostly scholarships do cover living costs too, but for visa approval i still need to show proof that i can afford at least the first year’s tuition and living expenses in case the scholarship gets delayed.

Because of this, i think even a 7–10 lakh loan could work for me. I wanted to know which banks in india provide education loans without collateral for studying abroad (will put my brother as the co applicant if required). Since medicine in italy is a single cycle, 6 year course, i also do not want to start repayment during my education. I would prefer to begin EMI payments only after graduation and repay the loan as quickly as possible afterward. I really do not want the stress of debt, but i also need this loan to make studying abroad possible. Unfortunately, i cannot get into a medical college in india, and for my situation, italy feels like a much better option. Also i don't really plan on practicing in india, because i will have to do one year of internship which pays less than 20k per month plus its kinda difficult to find internship as an FMG.

Please suggest banks/finances for education loan. And more advice on this is welome and appreciated. Thank you so much!

hi, i am going to start imat prep after my neet exam. please rec books for all the subjects. i cant choose bw campbell and cambridge for biology. and rec for other 3 too. thank you soo muchh

should i choose an agency or do all the work by myself. i want to study medicine in italy, but since im a non eu (indian) i have re neet lol. and yes im studying for that again and i hope i do good this time but i need back up option and i think italy is better since its affordable for me. i came across italy and idli but im not sure of it, i havent reached out to them yet. and plus imat centers are only 2 in india, im gonna assume they fill out really fast so they will help in this too. and also i wont be having much time to do all the doucmentation work too with neet in the corner, i have an elder brother but hes also working so he doesnt get much time. my dad doesnt live with us only comes on weekends (he works in other city due to transfer) so neither of us will get much time for this. i have heard agencies cost alot but i really need to do both side by side, since pre enrollment has started. idk what to do. any advice on this is needed please. thank you so much!

i am not able to register. when i click on pre enrollment or register they direct me to log in. i am non EU(indian) so i can't use spid and all. what do i do? and when i click on register they also show "page no longer active" or smth like that. i have to click on register option which is on the top corner for less than 3 sec, and if i fail to click on it in 3 sec they direct me to log in page. i am attaching pictures. also i have tried using chrome, edge, fire fox and incognito, still the same.

https://preview.redd.it/1yt3eo2jjq0h1.png?width=1916&format=png&auto=webp&s=c6417f26bf8549f0126b04b524de7a5e489cceef

https://preview.redd.it/opn33n2jjq0h1.png?width=1900&format=png&auto=webp&s=5408acfea30db7dd430aa0e9baef48a320da656e

https://preview.redd.it/g4661n2jjq0h1.png?width=524&format=png&auto=webp&s=a8945459a695985e01aeb4ab7be40af80cce8013

i tried clicking on every option here except the contacts ofc, it was still the same

I’m 18F, a dropper, and I genuinely need some advice because I feel completely stuck between two choices that both scare me in different ways. My first attempt was in 2025, and honestly, we all know how that year went for most students. After that, I decided to take a drop. My parents supported me fully. They never forced me into neet, I chose it. At the start of my drop year, I was genuinely motivated and confident. I thought this was going to be my comeback year. But after a few weeks, everything slowly started draining me mentally, and I lost consistency completely. I barely studied properly for months and only started getting serious again around december.

Even after trying, physics and physical chrmistry always felt difficult for me. I understand concepts while studying, but the moment I sit down to solve questions, my mind just freezes. And honestly people who haven’t experienced a drop year don’t really understand how mentally exhausting and isolating it becomes. Everyone thinks “You had an entire year how could you not study?” but they don’t see what it does to you mentally. This year changed me a lot. I slowly stopped hanging out with my friends and isolated myself from almost everyone. On top of this, I also went through a breakup from a 3 year relationship. Maybe 3 years doesn’t sound that long to some people, but that person was my FIRST everything, so it affected me more than I expected. We also had family and financial issues going on at home during this time, and everything together became too overwhelming. I had isolated myself so much that I literally stepped outside after 3 months only to go give the exam. That’s how disconnected I became from life outside preparation. And even then after calculating my marks, I’m scoring around 310. I know that’s nowhere near enough for a government MBBS seat, and accepting that hurts because deep down I really do want to become a doctor not because of family pressure or smth I genuinely want this.

The hardest part in all of this is honestly my parents. On the way back home after the exam I cried so many times telling my dad that I don’t want another drop year but I also don’t want to do something else. And the entire time he stayed calm. There wasn’t even a hint of anger, disappointment or pressure on his face. He just kept consoling me and said “Whatever you decide, we’ll figure it out together.” That honestly broke me even more because he has neverpressured me not even once, not last year and not now.

Now we’ve started thinking about MBBS abroad, maybe georgia. But we’re a middle-class family, and we already have debt. My dad said he could somehow save around 20–22k from his salary every month for my annual fee and that we could figure out smth. He suggested we take an education loan but I denied because the guilt of that decision is eating me alive. I keep thinking about how they’re already struggling financially and if I choose this path their burden will only increase because living abroad obviously comes with extra monthly expenses too and the cost that people usually tell yoy.

What hurts even more is that my parents had borrowed money from a few relatives beforr and those relatives constantly taunt them about repayment (my parents are paying back slow since there's debt of orher people too). They’re honestly the kind of people who will absolutely say things like, “You have money to send your daughter abroad but not enough to return our money?” Technically they have a right to complain because money is involved, but it still hurts imagining my parents having to hear all of that because of me.

At the same time, taking another drop scares me just as much. I know I wasted a huge part of my first drop year, and I also know that if I take another one, I’ll be much more disciplined because now I understand exactly where I went wrong. BUT IT WILL STILL BE DRAINING. My dad even suggested last year (drop year after neet 2025) to take admission in some course to have smrh stable on going righr? but like the dumb bitch I am, I said no it would be difficult to manage both again (2025 I gave boards too so-)

And honestly, if I do take another drop I’ll probably keep it private this time. I’ve realized that the more people know about your preparation and your drop year the more suffocating the pressure becomes. And my parents just keep on telling people about it and I am the kinda person who thinks the more people know easily it will get jinxed. People constantly ask questions, keep expectations from you and somehow it starts feeling like your entire worth depends on one exam. I’d rather tell people I’m doing some random course somewhere while quietly preparing in reality.

But even then I’m terrified. I’m scared of another year of isolation, another year of feeling mentally drained, and another year of fighting physics and chemistry while constantly wondering if I’m wasting time again. And the worst fear is that even after sacrificing another year, there’s still no guarantee that I’ll make it.

That’s why I feel trapped between two painful choices. If I choose another drop, I’ll constantly wonder whether I wasted another year of my life chasing something uncertain. But if I choose MBBS abroad I know I’ll constantly carry the guilt of watching my parents spend so much money despite everything they’ve already gone through financially. Either way guilt follows me. I know both options are difficult in different ways and I’ve been overthinking all of this ever since the exam ended. Right now every cell of my body is fighting each other constantly for not being able to choose. I just want genuine advice from people who can think practically and emotionally about this situation because I genuinely don’t know what the right decision is anymore.

I AM SO SORRY FOR TYPING THIE MUCH. But thank you so much for reading.

kasam se mai 3 din se sochri hu jaldi soungi bhai 3 baje mai zinda rehti hu. kyaa karu yaar fatt raho hai sachme, i havent done much of study. bio kia hai bass and ioc and ic. physics aur pc me maa chudi padi hai. in bhadwo pe bharosa bhi nai kaisa paper banayenge is baar. and upar se mai exam ke time pe blank ho jaati hu koi kuch batado kya karu iska mai. pehle hi thoda aata hai usme bhi mera bsdk dimag kaam karna band karde toh paper dekhte hee ro dugi bhai mai.