Funding your studies with an education loan is a strategic move—it exempts you from the 28-day fund-holding rule. However, your Sanction Letter must be flawlessly formatted to meet UKVI Appendix Finance guidelines.
Mandatory Requirements
| 1 | Student-Centric: The loan MUST be in your name. If parents are co-borrowers, your name must still be primary. |
| 2 | No Conditions: The letter must explicitly state there are no conditions for disbursement other than visa approval. |
| 3 | The 6-Month Rule: The sanction letter must be dated within 180 days of your visa application date. |
⚠️ Critical Refusal Trigger
UKVI does not recognize "Lines of Credit," "Overdraft Facilities," or "Credit Cards" as educational funding. Ensure the letter specifies an Education Loan for your specific course.
Use this template to verify your bank's draft before final printing.
[OFFICIAL BANK LETTERHEAD]
Date: [Current Date]
To: The Entry Clearance Officer, UKVI
RE: Education Loan Sanction for [Your Name]
This letter confirms that [Bank Name] has approved an education loan of [Amount in Currency/GBP] for [Your Name] to study [Course Name] at [University Name].
We confirm that the funds are available for tuition and living costs, and that there are no conditions on the release of this loan other than the granting of a UK Student Visa.
The funds will be disbursed directly to the university or the student's personal account as required.
Yours Faithfully,
Authorized Signatory
[Bank Stamp]
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