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Educational Loans

Valmiki Group is the new rising star on the corporate horizon. With sole interest in the field of International Education, we are poised to redefine the paradigms of business in this area.

The Edu.Loans division was established to fill a major void in education financing programs for International Students. The division helps to obtain loans from premier international loan guarantee agencies and lenders and makes it an innovative, low cost education, available to thousands of Students. We offer affordable loan solution by way of flexible terms - with low interest rates and long repayment periods.

Our Company helps to obtain loans based on creditworthiness, not income limitations. These loans are guaranteed and funds are made available through available lenders.

At Valmiki Group, we are committed to helping families plan and pay for International colleges. We realize many people need help filling the financial aid gap. These programs reach undergraduate, graduate and professional students, as well as parents of elementary and secondary education. Edu. Loans division also helps to obtain a series of loans for students enrolled in specialized programs of study.

Services that make the difference:

We offer students an entire spectrum of services that go a long way towards smoothening their passage to studying abroad. Our experience and in-depth knowledge of this field have enabled us to fine tune services to meet the needs of students more effectively.

Our Customer Service Team at our corporate office assesses & coordinates with your co-signor for further verification of your loan application and explains co-signor role & responsibilities during entire process.

Our Company helps you to obtain loan with one of the best lenders with maximum repayment tenure & minimum or no origination/processing fees suitable to your academic profile.

Frequently Asked Questions:

Who is eligible for Educational loans through Valmiki Group?

Any USA or Non-US/International Students of any origin having a creditworthy co-applicant that is a U.S. citizen or a permanent resident (Green Card Holder) who has been residing in the U.S. for the previous two years and who has been with the same employer for the previous 2 years.

Is my School / University approved for Student Loan?

Once you register online with us, our Customer Service Team shall revert back to you with approval or non-approval of your University / School / College.

What is next step after I register with Valmiki Group?

If your School is approved, you will be notified with an approval email along with our Student Loan Application Form which can be submitted in person or by fax.

What if my School / College / University is not approved & listed on your website?

You should contact our Customer Service Team at counselor@valmikiedu.org with Subject: "Get my School approved". If your School is not approved, we have dedicated priority service representatives who will initiate your School approval process with available lender.

What is the total amount of loan I can obtain as Student Loan?

Minimum: US $1000. Maximum: US $45000 or the Cost of Education as determined by the school. You can obtain a Student loan for the entire amount of fees (including Tuition, Boarding, Living expense etc) payable by you after deducting any scholarships, financial aid etc. received.

What is the timeline to receive my funds? How fast I can obtain Student Loan?

With our Online Registration process option you could receive funds in 12-18 business days or less if the application is accurate and *Co-applicant's documents and credit history is satisfactory.

What is the interest rate on the Student loan?

Valmiki Group helps all students to obtain finance for their higher education at current Wall Street Prime Lending Rate (based on the US Prime Rate as published in the Wall Street Journal.

What is the repayment tenure/term I can avail for funds I borrow?

Repayment terms vary between 10 and 25 years depending on your loan application, academic profile & on the cumulative amount borrowed. Minimum monthly payment allowed is $50. There are no pre-payment / early payment penalities.

Is there any application / guarantee fees?

Yes, there is a nominal professional consultation fees per application.

What are deadlines?

There is no deadline. Students should be advised to leave plenty of time to submit the application and required documentation so that funds may be disbursed by school deadlines. Applications for past academic years are allowed only if the school will certify that past education related expenses are due.

Our Company helps you right from A to Z of your entire loan process, which comprises of following steps:

To make pre-applications of your Loan
To scrutinize & verify your pre-applications by our expert team
To submit your pre-applications to different lenders
To get pre-approval notice from lenders
To obtain Student Loan Agreement / Promissory note from respective lenders
To update you with current loan status throughout your loan application process
To submit your & your co-signor's required paperwork along with Student Loan Agreement to lenders & to interact with your co-signor for any missing information
To provide your School Certification Officers contact details for timely certification of your loan application
To get your funds disbursement notice from lenders upon receipt of complete School Certification by your School
To arrange shipment of your check through leading courier service at an additional cost
To counsel you with features of your Loan repayment account online with the repayment servicing agency for your loan application

Valmiki Group also helps you to get below mentioned pre-departure services at a concessional rate:

Booking of your travel tickets anywhere in world
Pre-departure orientation
Foreign Exchange Service
Health Insurance etc.
 
Valmiki offers exciting, unrivalled services. For information on our various services, contact our Counselor on phone nos. +91-40-27899994 / 95 on all working days between 9.30 AM and 6 PM (IST). or, Fax +91-40-27899996 or, email us at enquiry@valmikiedu.org with your full details, for more information.
Qualified Education Agent Counselor Valmiki Group certified by ISO 9001 - 2008 Origination Valmiki Group certified by Association of Accredited Advisors on Overseas Education [AAAOE] Valmiki Group certified by Association of Australian Education Representatives in India [AAERI] Valmiki Group certified by NAFSA Education UK Certificate for Agents
 

I can’t thank you enough your hospitality during my visit you have a top notch staff and wonderful facility. I look forward to many more visits and long relationship with the Valmiki Group.

Charles W.Petentler, Director, University of Central Missouri, USA

It has been a pleasure setting to meet the Valmiki office for first time . I am pleased with our first round of students and look forward to increasing the positive partnership.

Peter Lundbye, Director of International Recruitment, Troy University, USA

It is a pleasure to work with valmiki group. Appreciate the support of Mr.Ganesh Valmiki.

P. Arun Kumar, University official, Rush University, USA

Excellent Hospitality. Valmiki's Ramayana is world famous , Similarly Valmiki consultant will recruit more students for various Universities and become world famous.

T.N. Ramachandran, South Indian Manager, Middlesex University, UK

Very Impressive staff, who have interest of students first.

Kenneth M.Holland, Associate Provost, Kansas State University, USA

Thank you for your support, I look forward to my next trip.

Rosalind Martin, International Admissions Manager, North Umbria University, UK

Thank you. It was good to see student with varied Interests. The staff has been very supportive. Air-conditioning would be lovely next time please!!

Dr. Mel Vecsey, Head of International Recruitment, North Umbria University, UK

A motivated team from the Valmiki Group, well laid ant, with good Infrastructure and focus on work at hand I wish them all success.

S.Parameswaran, Regional Manager, University of Central Lanshire, UK

Enjoyed meeting students interested in US education and friendly folks in the office.

Derrick Alex, Associate Director (International Admissions), University of Colorado at Denver and Health Sciences Center, USA

Thank you for having us’, your hospitality is appreciated!

Krysta Rinke, Coordinator, Chapman University, USA

Thank you for your hospitality. I look forward to working with you.

Mr. Stephen Thewlis, Associate Director of Admissions for International Recruitment, Golden Gate University, USA

It was a Pleasure to meet the staff of Valmiki Group. I was very impressed with the professional attitude and the knowledge of the staff. It is a pleasure to work with the team of valmiki.

Robert LeBlanc, Manager, International Admissions, Dalhousie University, Canada

This was my first visit to Valmiki Group. Our Organization with the group is a new one and I hope it develops into a mutually beneficial one. I have had very pleasant working in the office with the staff and potential students. The staffs have been extremely accommodating .I hope to make future visits.

Naushaba Singh, Academic Liaison Manager, Thames Valley University, UK

Excellent staff and very well organized. I am impressed with the high quality applicants and knowledge of Valmiki Staff.

Daryl Martin, Associate Director of International Development, Carnegie Mellon University, Australia

Excellent student, excellent agency. We have received students for the past 5 years. Highly recommend.

Zahir Ahmed, Director, SEMO, USA

Good range of students across a wide range of engineering disciplines. Thanks for organizing the interview session.

Michael J. Oudshoorn, Professor and Department Head, Montana State University, USA

Today is my second time here , the same hospitality and friendliness accompany each in it. The staff has been of enormous assistance and cheerful. I wish forward to come again next year.

Dr.Joseph C Akunna, Senior Lecturer in Environment Engineering, University of Abertay Dundee, UK

Many thanks to Valmiki Group for providing us with well Prepared and Bright Candidates. A most successful day of spot admissions.

Dr. Phillip J Collier, Director of Academics Program’s, University of Abertay Dundee, UK

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