James cook university  jcu
Qsranking 377

Brief Background

James Cook University (JCU) is Queensland's second-oldest university. JCU became an independent University in 1970. JCU currently has 22000 students studying at different campuses across Australia. It is one of the best and modern universities in the world. JCU aims to equip students with skills that make them career-ready and excel in the path chosen by them. JCU has campuses at Cairns, Townville, Singapore, and Brisbane.

The Townsville campus has a population of around 11,500 students which includes 1500 international students. It is spread over 386-hectare land in one of Australia’s largest cities.

JCU at Cairns has attractive teaching and research facilities. It is home to 4000 students of which 380 are international students. It is one of the most popular tourist destinations. It has the Great Barrier Reef and other tropical rainforests.

JCU in Singapore was established in the year 2003. It has got the highest accreditation from the Singapore government called the EduTrust Star.

JCU Brisbane campus is located in the Brisbane central business district. Brisbane is the capital of Queensland and has more exposure than the other campuses. Many undergraduate and postgraduate programs are offered for international students in the field of Business and Information Technology. 

JCU Mackay is located along with Mater Misericordiae Hospital in North Mackay, Queensland. It offers various courses in nursing and midwifery. 


JCU is renowned for its advances in research. Some of JCU's famous research centers include the Science Place, which is a teaching and research facility with a sustainability design, The Australian Institute of Tropical Health & Medicine (AITHM), Dentistry teaching facilities, State-of-the-art dental clinic, and the Australian Tropical Science and Innovation Precinct. JCU has field stations dedicated to research activities, namely Fletcherview Research Station, Orpheus Island, and Daintree Rainforest Observatory. JCU Townsville campus offers well-equipped teaching and research facilities, library, café, sports facilities, student clubs, and societies. JCU's Centre for Rural and Remote Health (CRH) offers a wide range of health care courses which is supported by its well-established teaching and research facilities.

Residing Options

JCU offers on-campus, off-campus, homestay and short-stay accommodations. JCU offers five on-campus accommodation options of which three are owned by the university and two options are provided by the colleges that are affiliated to the University. There are various types of rooms and facilities to choose from. Students who stay on campus also enjoy various other benefits like more university engagement, ball nights, themed activities and other on-campus functions. JCU believes that staying on campus enriches student’s experience at the university.

Townsville on-campus accommodation offers various types of facilities that include enhanced security, CCTV cameras, catering for all types of special food and dietary requirements. JCU halls of residences are University Hall, George Roberts Hall, and Rotary International House. The other stay options are provided by Saints Catholic College and The John Flynn College.

On-campus stay costs around a minimum of $241 per week to a maximum of $475 a week.    

JCU has a dedicated accommodation team that supports students to find options to stay off-campus.  The accommodation website has a continuously updated list that contains all the information about the available stay options off-campus. Students are also provided with options such as homestays and short stays. Homestays provide students with opportunities to be a part of a family. 

Financial Aid

JCU offers various forms of financial aids, namely loans, grants, and scholarships. JCU provides scholarships to both domestic and international students. Nearly 54 scholarships are being awarded to the students based on merit and financial background. It offers various scholarships exclusively for international students like James Cook University International Excellence Scholarship, James Cook University International Student Merit Stipend, American Australian Association Fellowships, and Australia Awards Scholarships. There are country-specific and research-specific scholarships. JCU encourages all the students to apply for scholarships.

Jobs and Placements

JCU offers dedicated careers and employability services for the students. It advises students to plan for their career from the first year of study and slowly define career goals and work towards achieving them. It also offers career counseling and dedicated career staff to guide and support the students. The students with disabilities are supported and guided for placements by University Specialist Employment Partnerships (USEP). JCU also offers Career Development Program which supports students in finding volunteer work, vacation work and other placements that involve practical work experience.  JCU also conducts annual career fairs at Townsville and Cairns campuses. The current record of placements is 5000 graduates in a year. The main organizations involved are Education Queensland, Queensland Health, the Australian Festival of Chamber Music, and the Great Barrier Reef Marine Authority. 78.6% of graduates are employed full time 4 months after completing the graduation at JCU.


The university has its campuses in different locations enabling students to get more work experience and exposure. The campuses are surrounded by wet tropical regions and the Great Barrier Reef.  The JCU Townsville campus is located in the suburb of Douglas in Australia. It is situated 8 miles from the Central Business District. Over 1400 students live on campus in the affiliated colleges and shared halls of residences. The campus houses the university's main offices, libraries, and cafes. Whitsunday Islands, Mission Beach and Charters Towers are located near the campus.

There are very limited parking spaces available on campus. The students are encouraged to use bikes as an efficient way of transportation. JCU offers a dedicated bike storage facility at both Townsville and Cairns campuses. The students living on-campus are provided with a free bike hire facility.

Sunbus offers regular bus services to both the Townsville and Cairns campuses. It connects most parts of the city to the campus. All TransLink public transport services and approved ferry services offer 50% concession fare to the students.   

JCU students are offered discounts in various local businesses, Cafés, Sporting and Gym Memberships, Entertainment, Online News and Newspaper Home Deliveries, Accommodation, Travel and Transport and Florists and Gifts.

College of Science and Engineering

JCU's College of Science and Engineering provides a wide variety of opportunities to learn advanced technologies in Engineering. They aim at building advanced and resilient engineering structures and technologies. JCU has a good staff size that comprises of well-educated researchers who have practical experiences in their field of study. The main areas of research that JCU focuses on include Battery Technology, Biofuels, hydraulics, and thermal engineering, Brain-Inspired Computing, Embedded systems engineering, Internet of Things engineering and water resources engineering.

The undergraduate courses offered by JCU’s College of Science and Engineering are 

  • Bachelor of Engineering (Honours)
  • Bachelor of Engineering (Honours) - Bachelor of Information Technology
  • Bachelor of Engineering (Honours) - Bachelor of Science

The following graduate courses are offered by the department:

The Masters Research course offered by the school is Master of Philosophy (Engineering and Related Technologies) which is a two-year full-time course with the flexibility of part-time. However, the maximum time limit to complete the course is 4.5 years. The course can be pursued on the campus at Townville and Cairns. This course offers students more opportunities for research and aims at enabling them to pursue a Ph.D. in the future. This is a postgraduate research degree designed for graduates from engineering and other fields of study. The students will take up research projects in engineering areas like Biotechnology, Civil engineering, Chemical engineering, Electrical, and electronics engineering, the Internet of Things and technology, and Mechanical and materials engineering. Two EFTSL is required to complete the course. The annual tuition fee is estimated to be AUD$40,280. 

Doctor of Philosophy (Engineering and Related Technologies) is a Ph.D. program offered by JCU. It is a 4-year full-time program offered at Townsville and Cairns campus. It involves a thesis that should be original and is supervised closely. It aims at contributing original solutions through research. The students require 4 EFTSL to complete the course successfully.

The maximum time limit offered to complete the course is 8.5 years. The research works are supervised by the Research Education Sub-Committee (RESC). The annual tuition fee for the course is estimated to be AUD$40,280 with additional student’s services and amenities fee.

Pure Sciences

1. Environmental Science and Management involves the study of the environment and the problems and challenges associated with it. A degree in Environment science prepares students to understand and address the problems associated with environmental areas such as climate change, land use, natural resource conservation, and management and natural disaster management.

Undergraduate Programs 

  • Bachelor of Advanced Science, Major Earth Science + Honours
  • Bachelor of Arts, major Geography + Honours
  • Bachelor of Education (Secondary), major Geography
  • Bachelor of Business and Environmental Science
  • Bachelor of Environmental Practice, majors Corporate Environmental Management, Urban Environments, and Landscape Design, Land and Water Management
  • Bachelor of Science general, major Earth Science
  • Bachelor of Science
  • Bachelor of Planning

Postgraduate Master Degrees 

  • Master of Education, majoring in Sustainability
  • Master of Economics, majoring in Environmental Management
  • Master of Global Development
  • Master of Science, majoring in Environmental Management
  • Master of Science (Professional), majoring in Environmental Management
  • Master of Planning and Urban Design
  • Master of Philosophy - Architecture and Building - Agriculture, Environmental and Related Studies - Natural and Physical Sciences

Under the field of Environmental Science and Management, JCU offers Doctor of Philosophy in Natural and Physical Sciences as a doctoral program.

2. Geoscience involves the study of the biological world and its interconnection with the physical world. It also helps to identify problems and challenges to effectively understand and forecast the future. 

Undergraduate Courses 

  • Bachelor of Geology
  • Bachelor of Science in Geology

 Masters’ Course 

  • Master of Philosophy (Natural and Physical Sciences)

 PhD Course 

  • Geoscience is Doctor of Philosophy in Natural and Physical Sciences.

3. Information technology offers IT skills required by all the industries. They have endless career opportunities.

Undergraduate Courses 

  • Bachelor of Technology and Innovation
  • Bachelor of Information Technology
  • Bachelor of Engineering (Honours) - Bachelor of Information Technology

Masters and PhD Courses 

  • Master of Information Technology
  • Master of Information Technology - Master of Business Administration
  • Master of Philosophy (Information Technology)
  • Doctor of Philosophy (Information Technology)

4. Marine Biology and Aquaculture at JCU has well-equipped laboratories and state-of-the-art learning environment. The study involves understanding, protecting and managing the marine resources. 

Undergraduate Courses Offered 

  • Bachelor of Science
  • Bachelor of Engineering (Honours) - Bachelor of Science

Master’s Degree Includes

  • Master of Science
  • Master of Science (Professional)
  • Master of Philosophy (Agriculture, Environmental and Related Studies) 
  • Master of Philosophy (Natural and Physical Sciences)
  • Doctor of Philosophy (Agriculture, Environmental and Related Studies)
  •  Doctor of Philosophy (Natural and Physical Sciences)

5. Physical Sciences at JCU focuses on the primary principles of mathematics, chemistry, and physics. It is interdisciplinary courses aim at different career prospects involving all areas of science. 

Undergraduate Courses Offered 

  • Bachelor of Engineering (Honours) - Bachelor of Science

Postgraduate and PhD Courses 

  • Masters of Data Science
  • Master of Philosophy (Natural and Physical Sciences)
  • Doctor of Philosophy in Natural and Physical Sciences

6. Zoology and ecology at JCU help students to observe and understand the biodiversity of nature. It focuses on diverse fields such as zoology, ecology, behaviour and evolutionary biology.

Undergraduate Courses 

  • Bachelor of Science (Zoology and Ecology)
  • Bachelor of Environmental Practice (Biodiversity Assessment and Management)

Postgraduate and PhD Courses 

  • Master of Science (Tropical Biology and Conservation)
  • Master of Philosophy (Natural and Physical Sciences)
  • Doctor of Philosophy (Natural and Physical Sciences)  


Business at JCU offers experience-based study and coursework. The experiences include internships and projects at local businesses.

Undergraduate Courses 

  • Bachelor of Business
  • Bachelor of Business and Environmental Science
  • Bachelor of Commerce
  • Bachelor of Economics (Honours)
  • Bachelor of Business-Bachelor of Laws
  • Bachelor of Business-Bachelor of Psychological Science
  • Bachelor of Arts-Bachelor of Business

Master's Courses 

  • Master of Business Administration
  • Master of Business Administration (Leadership)
  • Master of Business Administration Global
  • Master of Conflict Management and Resolution
  • Master of Education – Master of Business Administration
  • Master of Global Development
  • Master of Governance and Leadership
  • Master of International Tourism and Hospitality Management
  • Master of Professional Accounting
  • Master of Professional Accounting - Master of Business Administration
  • Master of Philosophy (Management and Commerce)
  • Doctor of Philosophy (Management and Commerce)

Other Study Areas are - 

1. Arts and social sciences empower students with critical and creative thinking. The students are provided with opportunities to mingle with a multicultural environment and have a hands-on study. There are undergraduate, postgraduate and diploma courses available in this area of study.  

2. Biomedical Sciences is a leader in the study about the human body. The field of study involves the microbiome and the health of a living organism. Undergraduate, graduate and PhD courses are available in this field of study. 

3. Dentistry The university is again a leader in health equality. Dentistry at JCU provides well-equipped laboratories and experiences in different rural and urban cities. The graduates are very competent and individual practitioners. Students can opt for undergraduate, graduate and diploma courses in this field. 

4. Education at JCU provides the necessary teaching skills to students and enables them to work both in Australia and overseas. There are undergraduate, graduate and diploma courses in this area of study. 

5. JCU Health Studies stands as a leader in improving the lives and health of the people. It provides graduates with the necessary foundational knowledge and also equips them with practical skills.  The university offers undergraduate, graduate and diploma courses in this area of study. 

6. JCU Law is a pioneer legal education that enables graduates for independent legal practice. There are undergraduate, graduate and diploma courses available in this area of study. 

7. JCU Medicine provides rewarding careers for graduates. It involves skills to improve health care and mainly focuses on remote and rural communities. Students are offered UG, graduate and diploma courses in this field of study. 

8. Nursing and Midwifery at JCU provides foundational skills and practical skills to be independent health professionals.  There are undergraduate, graduate and diploma courses in this area of study. There are undergraduate, graduate and diploma courses in this area of study. 

9. Occupational Therapy at JCU teaches graduates therapeutic practices that can be applied to people to overcome physical barriers. There are undergraduate, graduate and diploma courses in this area of study. 

10. Pharmacy at JCU provides courses that impart clinical skills to graduates. The courses are accredited by the Australian Pharmacy Council. There are undergraduate, graduate and diploma courses in this area of study. 

11. Physiotherapy at JCU provides courses that focus on Rehabilitation, Physiotherapy, Occupational Therapy, and Speech Pathology. There are undergraduate, graduate and diploma courses in this area of study. 

12. Planning at JCU provides degree courses that are independently accredited. The study involves urban living and design. There are undergraduate, graduate and diploma courses in this area of study. 

13. JCU Psychology offers various degrees that impart the required skills and professional practice to register as a practising psychologist. There are undergraduate, graduate and diploma courses in this area of study. 

14. JCU Public Health and Tropical Medicine involve studying techniques to improve the health of tropical and rural communities. There are undergraduate, graduate and diploma courses in this area of study. 

15. Social Work at JCU offers opportunities to gain experience in working with people and communities across Australia. There are undergraduate, graduate and diploma courses in this area of study. 

16. Speech Pathology at JCU involves various degrees that train graduates to help people overcome their speech-related problems and swallowing difficulties. There are undergraduate, graduate and diploma courses in this area of study. 

17. JCU Sport and Exercise Science impart education about the human body and its movements. It involves training students to support people who suffer from health complexities. There are undergraduate, graduate and diploma courses in this area of study. 

18. Tourism, Hospitality, and Events at JCU provides students with skills in tourism and event management. The small class sizes allow students to learn more from their well-experienced faculties. There are undergraduate, graduate and diploma courses in this area of study. 

19. JCU Veterinary Science involves animal science and hands-on veterinary practices. The practical experiences and the lab facilities make JCU a different experience. There are undergraduate, graduate and diploma courses in this area of study. 

Annual fees for Indians $31,200
Annual off-campus living $5,124
Source : GyanDhan's analysis & university's website as of year 2018

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Education loan

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Which is the Cheapest Education Loan in India? | GyanDhan
<p> Updated on: 14 Apr 2021 &nbsp; The cost of higher education, whether in India or abroad, has been on a consistent rise in the last few years. And this trend is mirrored across institutions not just in India but abroad too. As such, a rising proportion of students in India are facing a financial crunch when it comes to funding their higher education. For all such students, an education loan has come as a blessing in disguise. Not only does it help them make their higher education dream in India and abroad a reality, but if chosen wisely even helps them with other things such as get tax benefits, build a good credit score and even keep family and personal funds safe for exigencies. But the market is flooded with numerous different kinds of education loan schemes - all with different fine prints that if missed might land the student in a soup.&nbsp; In such a scenario, most students wonder about which education loan to choose and also which is the cheapest education loan scheme in India. In this blog, we will talk about the cheapest education loan in India that a student can apply for. So, without further ado, let us begin right away.&nbsp; Which is the cheapest education loan in India? Well, education loans from public sector banks are cheaper than education loans from private sector banks or NBFCs. But why is that so? Let us take a look at some of the reasons for this.&nbsp; Rate of Interest - The rate of interest of an education loan offered by public sector banks is always lower - by 1% to 2.5% - than that offered by private sector banks and NBFCs. The rate of interest for an education loan by a public sector bank is between 8.5% to 10.5% while it is between 10.5% to 13.5% for a private sector bank. For NBFCs, the rate of interest is still higher and is between 11% to 14.5%. One reason why the rate of interest on education loans by NBFCs is highest is that banks use funds that are deposited with them to give loans while NBFCs borrow money from investors, banks, and other financial institutions and then lend it to students.&nbsp; Processing fee - The processing fee charged by public sector banks is lower than NBFCs and sometimes even lower than private banks. Most public sector banks have a low processing fee and sometimes even have zero processing fee for an education loan. While SBI has a fixed fee of INR 10,0000 (non-refundable) for an education loan of INR 40 lakhs, both Bank of Baroda and Axis Bank have a refundable processing fee of INR 10,000. However, NBFCs would charge a non-refundable processing fee between INR 40,000 and 80000 for the same loan amount.&nbsp; Looking for an abroad education loan? Fill the form and get free assistance Among public sector banks, which is the cheapest education loan scheme?&nbsp; Well, now that it is clear that education loans from public sector banks are the cheapest, let us dig deeper and find out which education loan scheme among public sector banks is the cheapest. We carefully researched all the various public bank education loan schemes and have come to the following conclusion: Bank of Baroda education loan schemes - Bank of Baroda education loan schemes are amongst the cheapest schemes in India. Let us take a look at the interest rates offered by the scheme under different scenarios-&nbsp; Baroda Education Loan to Students of Premier Institutions (For Studies in India) is the cheapest education loan in India. If your institute is included in the premiere AA or A list of institutions, then you can get an education loan at a rate of interest of 6.75% and if your institution falls under List B, then you can get an education loan of up to INR 7.5 Lakhs at a rate of interest of 7.85%. For institutions falling under List B, education loans above INR 7.5 lakhs are given at an interest rate of 7.6%. Students who have got admission to institutions under List C will get an education loan of up to INR 7.50 lakhs at an interest of 8.6% while those who seek an education loan above INR 7.5 lakhs for studying in institutions in List C will get the loan at an interest of 8.35%.&nbsp; Students who are heading abroad for higher education can apply for the Baroda Scholar (for studies abroad) education loan scheme. Under this scheme, students who have got admission to an institute under the list of Premier Institutions can get an education loan at a rate of interest of 8.25% while those who have got admission to a college that does not come under the list of Premier Institutions will get the education loan at 8.9% Rate of Interest.&nbsp; SBI education loan schemes - If your institution does not come under the list of institutions in the list of Bank of Baroda, then SBI education loan schemes are your next cheapest education loan option. Students can apply for the Student Loan Scheme or the Global Ed-vantage Education Loan offered by SBI and take the SBI Rinn Raksha policy. By taking the Rinn Raksha policy, the rate of interest in their education loan will decrease by 0.5%. To know more about the SBI Rinn Raksha scheme, you can read it here. Under the Global Ed-vantage Education Loan or the Student Loan Scheme, students can take the Rinn Raksha Scheme and get the loan at a rate of interest of 8.8%. Girls can get a further concession of .5% on the rate of interest.&nbsp; Still, boggled by the various nitty-gritty that comes hidden with an education loan scheme? Well, help is at hand in the form of GyanDhan, India’s first education financing platform. We are committed to helping our students get the best education loan scheme and make their higher education dream a reality. We assign a dedicated loan counselor who studies every student’s profile in detail and then advises the best loan scheme for that particular case. We also provide a customized list of documents that need to be submitted and even help with the collection and submission of the loan application and required documents. Get in touch with us now and get help in not only choosing the best education loan but also get help in your loan application and sanction too.&nbsp; </p> <hr> <small>This is a companion discussion topic for the original entry at <a href="https://www.gyandhan.com/blogs/cheapest-education-loan-india">https://www.gyandhan.com/blogs/cheapest-education-loan-india</a></small> ... Read more

Ds-160 not submitted, visa payment made. sevis fee not paid. Can i change the university?
![image|219x401](upload://19xBH3U1RorqvUpvZhNgZqgkqjF.jpeg) ![image|219x401](upload://19xBH3U1RorqvUpvZhNgZqgkqjF.jpeg) Hi, I don't find an option to change the sevis id on the CGI federal website. I could only see an option for Ds-160 confirmation no. ... Read more

## **THROUGH EXECUTIVE ACTION, CAN BIDEN FORGIVE STUDENT LOANS?** Biden spoke support for the forgiveness of student loans. But, he opposed the call for the president to withdraw student debts. Many student loan legal specialists claim, that Biden has the right to use administrative authority to develop extensive student loan reconciliations. Supporters point out that the Higher Education Act provisions passed by the Minister of Education. He believes that, the president has broad powers to “change, compromise, give up or issue student loans”. Several consumer protection organizations and the House of Representatives (including Senator Elizabeth Warren) claim that using this kind of enforcement power to cancel student loan debts is legally adequate. Other supporters point to the “Heroes Act”. Which authorizes the president to act in response to an enduring pandemic. That is the starting point for President Trump’s previous administration to postpone interest and payment on federal student loans owned by the government. However, an attorney from the Ministry of Education, led by former secretary DeVos, came to the opposite assumption that the extensive reconciliation of student loans went far further than what Congress planned when the law on higher education and student loans was first passed. ## **WHO WOULD BE ELIGIBLE, IF [BIDEN FORGIVES STUDENT LOANS](https://studentloanforgivenessapplication.com/joe-biden-student-loan-programs/)?** Biden has never announced public backing to withdraw all $1.7 trillion in outstanding student loan debt. If the government decides that the president can allow student loans through his actions, does it impose restrictions or eligibility criteria? There are several ways to limit student loan forgiveness. The most noticeable technique is the allowable amount of student loan debt. The student loan borrower requested cancellation of [Student Loan forgiveness](https://studentloanforgivenessapplication.com/) exceeding $50,000. However, Biden has always insisted on reducing the “target” amount of student loan subsidies, significantly $10,000. Biden said in December that it was “unlikely” to cancel or forgive the $50,000 student loan. Similar to eligibility for stimulus control, entitlement can also be restricted to borrowers based on income. Senate leader Chuck Schumer (D-NY) had recommended that student loan repayments can be restricted to borrowers with annual incomes of less than $150,000 previously. The type of student loan in question may also be appropriate. For example, the Higher Education Act does not cover private student loans, so written student loan repayments may be limited to federal student loans. ## **IF BIDEN DECIDES HE CANNOT CANCEL STUDENT DEBT VIA EXECUTIVE ACTION, WHAT HAPPENS?** Biden said that his favorite way to obtain student loan assistance is to allow Congress to pass the student loan forgiveness law. Given that the democratic majority in the House of Representatives and the Senate are currently narrow. And leaders have little room for error, this radical student loan reform may be a difficult road. Without Republican support, Republican senators may interfere with such law in the Senate. Additionally, the government’s current focus is on Biden’s extensive infrastructure plans, which may take months to complete. For these excuses, supporters of student loan borrowers claim that administrative actions are the best way to issue student loan forgiveness. However, if the Biden administration decides to take forceful action to cancel student loans is unsustainable, then nothing will be lost. Through legislation, Congress will be under increasing pressure to take action. ## **WHEN WILL WE GET AN ANSWER ON BIDEN’S STUDENT LOAN FORGIVENESS ANALYSIS?** The Biden administration does not have a statutory timetable for statutory review of student loan repayments. The White House Chief of Staff advised last week that the analysis could take several weeks. However, after the current extension of the ban on most [federal student loan](https://studentloanforgivenessapplication.com/fed-loans/) payments and interest ends, the government can respond before September 30, a safe choice. For more information about student forgiveness loan plans [contact us.](https://studentloanforgivenessapplication.com/contact/) ... Read more

Can I Take an Education Loan on Agricultural Land? | GyanDhan
<p> Updated on: 09 Apr 2021 &nbsp; In India, higher education is seen as a passport to a well-settled career. But, with the cost of education inflation currently pegged at 10%, it is no wonder that higher education is becoming a pricey affair and many students have to give up their dreams of higher studies. At such times, an education loan is a blessing for students who need financial help to pursue their higher education dream. It makes higher education and the associated study costs within reach of all such students.&nbsp; Introduced by SBI in 1995, an education loan is not only beneficial for students who are unable to finance their higher education but also for those who want to keep their savings safe for personal contingencies, get tax benefits, and build a good Credit score. It is no wonder then that education loan firms have disbursed INR 11,000 crores in education loans during the 12 months ending September 2020. However, many times education loan seekers have numerous doubts regarding the policies that guide education loan sanction. Among all the various queries, one of the top ones that we often get is whether a student can take an education loan on agricultural land. In this blog, we will try to answer this question and help make things clear for all such students.&nbsp; Can I take a secured education loan on agricultural land?&nbsp; Well, theoretically the answer to this question is, Yes. But on digging a little deeper we realize that this is not possible practically. Even though the RBI has suggested that banks sanction education loans to farmers and their children, the reality is quite different. When we look at the terms and conditions for sanctioning a secured education loan, we realize that all public banks, private banks, and NBFCs have mentioned that agricultural land is not accepted as collateral for an education loan. Even though the reasons for this are not very clear, one possible reason for this could be the fact that agricultural land cannot be used to raise security in case the education loan becomes a Non-Performing Asset. The very purpose of collateral is to be a means of recovering the loan money in case the borrower defaults on the loan and this would not be the case with agricultural land, thus beating the very purpose of asking for collateral.&nbsp; Need an education loan to study abroad? Fill in the form to get free assistance What is the next best option? Now that we know that it is not practically possible to get a secured education loan on agricultural land, let us look at alternate ways in which a student can get a secured education loan.&nbsp; Find another immovable collateral that can be attached with your loan application - Lenders accept many different kinds of tangible collateral for sanctioning an education loan such as any flat, house, plot with boundary, shop, etc. In case a borrower does not have the property in his/her name, they can also attach third-party collateral for their education loan, provided the owner agrees to mortgage the property on behalf of the student.&nbsp; Attach any movable collateral with your education loan - A student can also pledge intangible assets such as Fixed Deposits, Government Bonds, Mutual Funds, National Savings Certificates, Life Insurance Policies, etc. The assets could be in the name of the student or even a relative.&nbsp; Pledge gold ornaments - Students can also mortgage gold ornaments for their education loan.&nbsp; It should be noted here that the value of the collateral being pledged must be equal to or higher than the loan amount being applied for. Hence, a borrower can pledge any one of the above collateral or even attach more than one in case the value of one collateral is less than the loan amount being requested. &nbsp; What should you do in case you cannot pledge collateral? If a student is unable to arrange any of the above-mentioned collateral, even then there is hope for them in the form of unsecured education loans. Most lenders provide unsecured loans to deserving students. Some like private banks and NBFCs even raise their upper loan limit for an unsecured education loan for meritorious students.&nbsp; Still confused with the various lenders and education loan schemes and looking for help with an education loan? Well, get in touch with GyanDhan - India’s first education financing platform, &nbsp;and get all your education loan queries resolved from experts. GyanDhan is the highest-rated study abroad financing marketplace in India and is known for our doorstep service, quick and higher loan approvals and for helping our students get the best deals on education loans. We will help you not just with your education loan queries but also will assign a dedicated loan counselor who will provide guidance on the best education loan for your case. Not stopping there, we will also help you with the loan application, sanction, and disbursement process. Get in touch with us now and get ready for your higher education journey.&nbsp; </p> <hr> <small>This is a companion discussion topic for the original entry at <a href="https://www.gyandhan.com/blogs/education-loan-agricultural-land">https://www.gyandhan.com/blogs/education-loan-agricultural-land</a></small> ... Read more

Scholarships for MS in Ireland
A post was merged into an existing topic: [Indian Government Scholarships to Studying Abroad for Indian Student | GyanDhan](/t/indian-government-scholarships-to-studying-abroad-for-indian-student-gyandhan/6001) ... Read more

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