{"id":1293902,"date":"2025-04-21T07:21:01","date_gmt":"2025-04-21T01:51:01","guid":{"rendered":"https:\/\/trak.in\/stories\/?p=1293902"},"modified":"2025-04-21T07:21:37","modified_gmt":"2025-04-21T01:51:37","slug":"loan-enquiries-for-us-education-decline-by-50-approvals-tough-now","status":"publish","type":"post","link":"https:\/\/trak.in\/stories\/loan-enquiries-for-us-education-decline-by-50-approvals-tough-now\/","title":{"rendered":"Loan Enquiries For US Education Decline By 50%; Approvals Tough Now"},"content":{"rendered":"\n<p>India\u2019s education loan market, especially loans tied to U.S. universities, is facing a rough patch. With 50\u201375% of education loan disbursements directed toward students pursuing higher studies in the U.S., lenders are now dealing with the collateral damage of America\u2019s tightening immigration policies under the Trump administration.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"465\" src=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/04\/ify-2-1.png\" alt=\"Loan Enquiries For US Education Decline By 50%; Approvals Tough Now\" class=\"wp-image-1293907\" srcset=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/04\/ify-2-1.png 1000w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/04\/ify-2-1-300x140.png 300w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/04\/ify-2-1-768x357.png 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Loan Approvals Get Tougher for US-bound Students<\/strong><\/h3>\n\n\n\n<p>Lenders have begun applying stricter evaluation criteria for students <a href=\"https:\/\/m.economictimes.com\/nri\/study\/indian-students-rethink-us-plans-education-loan-firms-panic-as-enquiries-drop-by-50\/amp_articleshow\/120399200.cms\">seeking loans<\/a> to study in the U.S. Priority is now being given to applicants with strong academic credentials and those admitted to top-ranked universities. This cautious approach stems from growing fears about students\u2019 ability to secure employment and repay loans, especially with the possibility of recession and hiring slowdowns in the U.S.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Major Players Brace for the Downturn<\/strong><\/h3>\n\n\n\n<p>Companies like InCred Finance report a 50% decline in inquiries and applications for U.S.-focused education loans. &#8220;If programs like OPT and STEM OPT are curtailed, we expect demand to fall drastically,&#8221; said Nilanjan Chattoraj of InCred. Other major lenders like Credila and Avanse Financial Services are also witnessing similar trends.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Regulatory Flexibility &amp; Risk Mitigation<\/strong><\/h3>\n\n\n\n<p>To navigate the uncertainty, lenders are turning to regulatory frameworks that allow restructuring of existing loans. The Reserve Bank of India (RBI) permits limited flexibility in such cases. While currently, only 1\u20132% of accounts need restructuring, this number is expected to rise to 5% as more students face study or job disruptions.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Shift in Student Preferences<\/strong><\/h3>\n\n\n\n<p>While loans for U.S. education are still being sanctioned, the overall interest is waning. \u201cStudents are looking for transfer options and backup plans,\u201d said Akshay Chaturvedi of Leverage. Countries like the UK, Australia, and Canada are seeing increased interest, potentially cushioning the blow to Indian lenders.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Conclusion: A Market in Transition<\/strong><\/h3>\n\n\n\n<p>With U.S. visa rejections on the rise and student enrollments dropping\u2014India saw a 28% decline from March 2024 to 2025\u2014lenders must adapt quickly. The focus is now on managing risk, exploring new geographies, and providing support to existing borrowers amid a shifting global education landscape.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>India\u2019s education loan market, especially loans tied to U.S. universities, is facing a rough patch. With 50\u201375% of education loan disbursements directed toward students pursuing higher studies in the U.S., lenders are now dealing with the collateral damage of America\u2019s tightening immigration policies under the Trump administration. Loan Approvals Get Tougher for US-bound Students Lenders [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":1293907,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[21],"tags":[139,204,1129],"class_list":["post-1293902","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-education","tag-loans","tag-us"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Loan Enquiries For US Education Decline By 50%; Approvals Tough Now - Trak.in - Indian Business of Tech, Mobile &amp; Startups<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trak.in\/stories\/loan-enquiries-for-us-education-decline-by-50-approvals-tough-now\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Loan Enquiries For US Education Decline By 50%; Approvals Tough Now - Trak.in - Indian Business of Tech, Mobile &amp; Startups\" \/>\n<meta property=\"og:description\" content=\"India\u2019s education loan market, especially loans tied to U.S. universities, is facing a rough patch. 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