Study in USA

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OUR EXPERIENCES:
STUDYING
IN THE USA

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Beneﬁts of Credila’s
Education Loan
The home loan specialist now introduces
CREDILA
Your education loan expert
United States of America

Beneﬁts of Credila’s
Education Loan
Education Loan at your door-step
Up to 100% Finance
Loan approval letter before I-20
Loan amount over Rs. 20 Lakhs also available
Quick loan approval
Repayment period up to 10 years
Tax beneﬁts under section 80E
Over 2,40,000 Students & parents have
already applied to Credila

American Culture
and Values
Studying in the United States of America can be a wonderful learning experience.
Both in and out of the classroom you will learn and practice the English language. You
will also learn much about American life and its sometimes confusing culture.
It’s very important to know the value that shape U.S. American’s attitude
and behaviour.
1. U.S. Society is made up of a diversity of ethic groups and cultures that have
helped shape American values;
 Equality - U.S. Americans uphold the ideal that everyone ”is created equal”
and has the same rights.
 Individuality - U.S. Americans are encouraged at an early age to be
independent and to develop their own goals in life.
 Privacy - U.S. Americans like their privacy and enjoy spending time alone.
Foreign visitors will ﬁnd their homes and ofﬁces open, but what is inside the
American mind is considered to be private.
 Informality - The U.S. American lifestyle is generally casual. You will see
students going to class in shorts and t-shirts.
 Achievement and Hard Work/Pay - The foreign visitor is often
impressed at how achievement oriented Americans are and how hard they
both work and play.
 Direct and Assertive - U.S. Americans try to work out their differences face-
to-face and without a mediator.
 Time - U.S. Americans take pride in making the best use of their time.
2. Some individuals and groups have a set of respected values that are quite
different from those of mainstream America;
3. People’s attitudes and behaviour are based on their values.
As you consider these values it is important to remember that:
Some Major U.S. American Values

Interview 1
SRIRAM RAGHAVAN
Q. 1 : Why did you choose the USA for higher education?
Ans : USA is the country that provides education with practically application and provides a
different class of academics. With state of the art facilities, it is a dream come true to pursue
MS here. Also, a MS degree in USA is globally accredited.
Q. 2 : Where do you live? On-campus or off-campus and why?
Ans : I live in off-campus. On-campus might give you a lot of exposure, but staying off-
campus can give you a taste of how life will be in the next coming years. Also you will have
the liberty to cook/learn other things to help you keep up with your studies.
Q. 3 : Please share some of your experiences of the USA for aspiring students.
(Culture and People)
Ans : USA is one of the few countries that provide a lot of courses and majors to choose
from. People here are down to earth. They make sure you settle down well once you reach
in the USA. The culture is different and challenging to adapt, but once you strive to adapt,
it is a wonderful place to be and beautiful people to know.
Q. 4 : What's your advice to students who aspire to go to the USA for higher
studies?
Ans : People who really have interest in engineering can definitely come forward to
pursue MS/PhD. Since MS/PhD allows you to narrow down your scope of interest, it
keeps you settled in what you really want to know and where to implement. Also once
you finish your degree, job opportunities don't knock the door, but when you give your
best, getting a job is a cakewalk.
Q. 5 : Other than academics, what else did you learn from the country USA?
Ans: I learnt a lot. I had learnt being straight forward and be polite. I love the American
food. It's a total different kind of experience. Following the rules and regulations here is an
art. Definitely, I have learnt a lot.
Q. 6 : How are the studies in the USA different than the studies in India?
Ans: In India, education is implemented in a more textbook/theory manner. Here, when
you study something, you can actually get to know what it really is. Though without
Indian education, understanding concepts is really difficult. Thanks to my professors in
India, they made sure I don't start from the scratch.

Q. 8 : How you find Credila different than other education loan lenders?
Q. 9 : Any experience you remember while applying for education loan?
Q. 10 : Do you think education loan helped you to pursue your higher
studies? If yes, in what way it has changed your life.
Q. 11 : Do you suggest prospective students and parents to go for education
loan? Why?
Q. 7 : Key things to remember for parents and students while planning for the
studies in the USA?
Ans : One thing I would like to say to all parents and students, USA is THE place to pursue
your MS/PhD. Culture, academics, way of living, art of managing your personal interest,
all can be well crafted here.
Ans : Credila helped me get my education loan in a quick and efficient manner. Also they
had helped me send through wire transfer which not many banks do. But I too had a little
bit of difficulties and quarrels, misunderstandings but helping someone pursue their
interest is something anyone should appreciate.
Ans : A lot of good and bad experiences. It gave me an urge to pursue my higher studies,
both mentally and financially. But a few things disappointed me which Credila could
improve with their future customers.
Ans : Definitely, without education loan I would still be dreaming of pursuing MS, sitting
in India running a code. Ha-ha. Thanks Credila.
Ans : I would ask parents who have big dreams in sending their students to USA for higher
studies to take loans from Credila since it is just narrowed down for education loan
purposes. It helps you move your process sooner, faster and safer.

Interview 2
THIAGARAJAN SREENIVASAN
Q. 1 : Why did your son/daughter choose the USA for higher education?
Ans : With career growth and development focus.
Q. 2 : Do you play a role in the process of selection of the course that your
son/daughter chooses for his/her higher education?
Ans : Yes, consultation and guidance role.
Q. 3 : What's your advice to parents whose son / daughter are planning to go
to the USA for higher studies?
Ans : Take all possible steps to support them, guide them and prepare them.
Q. 4 : Other than academics, what else did you think a student can learn from
the country USA?
Ans : Advance technologies and to lead life independently.
Q. 5 : What are your key concerns you have as parents of son/daughter who
wants to pursue higher education?
Ans : Not able to spend quality time with children and provide them daily knowledge
inputs to be a good family man.
Ans : Right guidance and support.
studies in the USA.
Ans : Fabulous set of people. Everything happened at the door step. Hassle free.
Q. 8 : Please share some of the problems you faced as the parents and how
you overcome those.
Ans : Financial certiﬁcate, documentation for loan, exchange plenty of such things.

The Chicken-Egg Syndrome
Only Credila can provide you assurance of funds before US Universities admission.
Assurance of funds Credila can help you get admission in better US Universities.
Credila doesn’t require conﬁrmed admission to process your application.
While your admission process in on, complete Credila’s procedure before admission.
100% of your cost can be funded.
Apply to Credila now.
Get Assurance of
Funds before I-20
Chicken or Egg Syndrome
Most of the banks require conﬁrmed
admission before giving the sanction
letter for education loan.
Universities do not give admission unless
“Assured Funding to Complete the Course” is
demonstrated.
Problem ?
Solution
Credila to issue sanction letter of Education Loan
BEFORE applying to colleges.
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Interview 3
ARAVAMUDAN T S
Ans : The quality and high standard of education prevailing there. The excellent lab
facilities, transparency and recognition and value for meritocracy which are not
generally not available in India. In India, sorry to say, there is no recognition of
meritocracy and it is purely reservation oriented and student belonging to General
category find it difficult to get admission in any of the premier institutions however
brilliant they may be.
Ans : Yes. My wife helped her a lot. There are lot of organizations such as Princeton
Review etc. which are not that helpful in my view. They try to brainwash the students and
the parents and try to push through their ideas instead of playing a facilitator role.
Ans : Start early immediately on finishing your graduation. Do an analysis on your own
and do not depend on others or outsiders. Correspond through mails with the
universities directly by asking various questions and satisfy yourself thoroughly.
Consider all options such as climate, cost of the course, course content, Indian students
there etc. etc.
the country USA?
Ans : Excellent and better living conditions, standard of living, environment, the safety
and security for students , the great exposure that an youngster gets and tremendous job
opportunities, the income and the overall development of the individual.
Ans : The fear of settlement of the children in US itself and thought of losing the nearness
of the children and the grandchildren.
studies in the USA
Ans : The selection of the university which is relevant to their bachelor degree earned in
India, availability of assistance ship, cost of the course, family funds available and last but
not the least the climate etc.

you overcome those.
Ans : Fantastic response, proactive and courteous response of the ofﬁcials and timely
and adequacy of credit made available. No unnecessary formalities and procedures are
very simple and fast. It was a pleasure and extremely satisfying experience.
Ans : We did not face much problems at all with CREDILA.

Interview 4
VISHAL RAVI SHANKAR
Q. 1 : Why did you choose the USA for higher education?
Ans : I chose USA because it provides high quality education with a deep sense of practical
training in mind.
Ans : One reason is the Silicon Valley is in the vicinity and there is presence of big multi-
national software development companies as well as booming start-ups. The faculty here
have grants from reputed companies like Mozilla, Google as well as the Government
agencies.
Q. 3 : Where do you live? On-campus or off-campus and why?
Ans : Off-campus. It boiled down to costs. I am saving some money on accommodation.
Q. 4 : Please share some of your experiences of the USA for aspiring students.
(Culture and People)
Ans : Culture is different certainly. If you haven't interacted with people outside your
country it may be a culture shock to you. Since I worked in a US based company before it
didn't come as a surprise to me. Also keep in mind the location you chose to study really
matters.
Q. 5 : What's your advice to students who aspire to go to the USA for higher
studies?
Ans : Network really well, be it education forums, Facebook. Find out if any of your seniors
are in the Universities to your liking. And prepare really well for GRE. It really matters
when you come here. Your proﬁle will be based on merit only.
Q. 6 : Other than academics, what else did you learn from the country USA?
Ans : It is really important to be involved in extra-curriculum. Enquire about student
associations and decide what really interests you. Academics solely isn't vital here. Your
interactions pave the way for a better outcome when you graduate.
Q. 7 : How are the studies in the USA different than the studies in India?
Ans : Here practical education plays a primary role in teaching. We have to be on our toes
for each class. And most of the classes have team projects instead of theory exams. Our
soft skills need to be top notch to get a good grade, irrespective of how well we prepare
and study.

Q. 8 : Key things to remember for parents and students while planning for
the studies in the USA
Ans : Look for private institutions if and only if you are sure of a scholarship. There are
good public schools which provide tuition for really less.
Ans : Credila was really flexible in getting a good scheme. Since my dad is a retired person,
they were really accommodating in waiving off some of the charges which normally
wouldn't have been possible in other financial institutions.
Q. 10 : Any experience you remember while applying for education loan.
Ans : Promptness of the Credila representative.
Q. 11 : Do you think education loan helped you to pursue your higher studies?
If yes, in what way it has changed your life.
Ans : It is still early days. But it has helped me to get here so I am grateful.
loan? Why?
Ans : Education loan is necessary if you need financial assistance or if you want to avoid
spending from your savings.

Interview 5
RAJEEV KUMAR GUPTA
Ans : My son chose US because of the standard of education there. Universities in the US
are consistently ranked among the best in the world. Also the research facilities are great
& post education job opportunities are more & better.
Ans : I did not play a role in the selection of my son's course for higher education - he
researched himself and chose the one most suited to him.
Ans : Studying in the USA is expensive and don't be miss-guided by rumours that only one
year's fee arrangement is enough - you should have the full course's money along with
living expenses before setting out.
Ans : My main concern is about the culture shock that my son will face in the USA. Our
children are from a sheltered background & the society there is pretty open.
studies in the USA.
Ans : Pl prepare for strange food habits, extreme climate conditions, different language
dialects etc.
Ans : In Credila I found a simple process with very little formalities - believe it I never had
to visit the CREDILLA ofﬁce even once. The process is clear, extremely transparent &
very easy. The Executives who handled my son's case were extremely polite, efﬁcient &
helpful. I never thought about looking elsewhere.

you overcome those.
Ans : Some issues that we faced were getting admission in a good college, the VISA
process, getting the I20 & so on.
Q. 8 : Do you think education loan helped you to send your son / daughter to
USA for higher studies? If yes, in what way it has made the difference.
Ans : Of course, “the loan from Credila helped us bridge the gap between our money &
the actual requirement of funds. In fact, if it wasn't for the education loan from Credila, it
would have been impossible for my son to go to the US for higher studies.”
loan? Why?
Ans : I strongly suggest to people planning to send their children for studies abroad to go
in or education loan as there are huge tax beneﬁts, easy repayment terms & complete
peace of mind.
Q. 10 : Did you visit your son/daughter abroad? Please share your experience.
What changes you noticed in your son/daughter.
Ans : I have not yet visited my son in the USA, but I shall keep you updated when I visit him
later.
Q. 11 : What's your advice to parents whose children will be going for higher
education in the next few years?
Ans : I strongly recommend sending children abroad for studies, but the caveat is - choose
a good college & a good course.

Interview 6
SRINATH GOVINDASETTY SERVASETTY
Ans : USA Universities are good, safer than other country.
Ans : No.
Ans : Giving good education to the kids is nothing like that in life.
the country USA?
Ans : Respect.
Ans : They have to study well.
the studies in the USA.
Ans : Safety, punctual towards the education, food intake at right timings. Selection of
the course, university, place to stay, if possible go to a consultant.
Ans : Credila is having a great team with them and the process is very very simple, with
the team pursuing us till the loan is dispatched in no time, we have not come across even a
simple issue / problem with them. I had approached 4 nationalised banks for the loan, not
even an inch has moved for 2 months it was a waste of time.

loan? Why?
Ans : We had a consultant which made us very easy, and lessened our burden. Without
education loan we could not even think of higher education abroad, that to I have sent
both of my children at the same time. Go for education loan it will not be a burden on us.
Any how the student will clear the loan with in no time after completing the studies.
Ans : No, we have not visited still.

Visa & Immigration Center
International students require a visa to enter the USA and for students the
category is F1. These visas are regulated by USCIS, the United States Citizenship
and Immigration Service and the whole process is rather complicated.
Health – While no special inoculations are required, unless you recently visited a
country where there was an epidemic. HIV - positive people are not allowed entry into
USA. Law is important and criminal behaviour can result in immediate deportation.
Proof of ﬁnance is a must.
The F1 Visa is the most popular/common visa that is issued to incoming
students into the USA. Generally it is issued to students who are coming to the USA
to study on an academic program or to learn English as a Second Language.
The J1 Visa is issued to students who need to have practical training as part of
the academic program, however there is also a large program called the “Work/Travel
Program” under the J1 Visa where students can come to the USA for three to four
months to gain employment and travel the USA.
An M1 visa is issued to a student who is going to attend a non-academic or
vocational school.
Some of the general requirements to enter USA are:
The three main student visa categories for USA are:
F1 Student Visa
J1 Student Visa
M1 Student Visa

Parent's advice whose children
have gone abroad for higher studies
Giving a child an education abroad is giving him the freedom to be b himself, to
be independent, to understand the pangs of loneliness and value his home. It is also a time
for him or her to prepare for the future – a future where as parents, we may not be there.
Children, who go abroad, learn to appreciate two different cultures, countries,
opportunities, friends, but no one can separate a child from his family.
The student who studies abroad, will return home, better educated and maybe
equipped to live an independent life, but with the same affection for the parents. Thus,
parents who send children abroad are teaching them to stand on their own feet, ﬁght
their own battles. By setting them free, parents are showing these students that they
trust their children and they know that they can ﬁght lives battles. This is in fact an
invaluable lesson in keeping the family together in the right way.
The internet, webcam, online chat and emails have virtually shrunk the world
and communication is almost instantaneous. When a student goes to college, even in
the same country, he or she is away from home for several hours attending classes. This
can be followed by some social, sports or extracurricular activities all of which when
added means that as parents, you see your child in the morning and again in the evening
or nights. During the time the student is at home, he or she will be busy with her own
activities – talking to friends, studying or just relaxing. Hence it is not that, by sending
your ward abroad you are going to be denied time with your child.
Just try and adjust with the culture, the climate and the food out there.
Concentrate on your study which is the important part that you have to do
and for that only you are going abroad. Be committed towards the study.
Father of Rohit R. studying in University of Utha, USA
If the student gets a good opportunity to pursue higher education in good
university only then plan and go for higher education abroad or else in India
also we have good university from where the students can do their higher
education.
Father of Mukund J., studying in Columbia University NY, USA

Even if they are in the same country, staying with you, the quality time you get to
spend with them becomes extremely limited as they grow up. However, if they are
studying abroad, the closeness actually increases as long as you are supportive and
non-judgmental. By discussing your child's issues and giving some non-judgemental
feedback the distance is shortened and your relationship strengthens.
At the end of the academic year, as parents you get to experience the joy of knowing that
your ward has been successful in a program in a global environment and is ready to
embark on a career which is the best suited option available.
I didn't face any difﬁculty as I already had the sanction letter from Credila
which supported to get the I-20 easily.
Father of Suraj T., studying in State University of NY, Buffalo, USA

Interview 7
GANESAN VENKATESWARAN
Ans : To gain a real mastery in the subject' Automotive Engineering" from one of the top
universities in the world.
Ans : We guided him to pursue a subject which was close to his heart at his Master's level.
Ans : Go and fulﬁl your child's dream.
the country USA?
Ans : Mainly to be Independent and self-supportive in taking all major decisions in his life.
Ans : Cultural barriers and a sense of apprehension.
Ans : Financial support till the end of his studies and the gradual acceptance by the new
Community in an unfamiliar terrain.
Ans : Very supportive and trustworthy.
you overcome those.
Ans : Nothing at all as we pre-planned well ahead.

Ans : Yes. Certainly it has. That too as my son's first term fee, the confidence in parents
doubles.
loan? Why?
Ans : Yes. A definite financial support such as ' Credila ' will anyway makes an overseas
education of our son/daughter a reality.
Ans : Not yet. Wants to. Will happen soon.
Ans : Support your child. Give wings to his/her dreams. “Credila will give 'strength' to
those wings.”

Interview 8
RANGABHASHYAM VINJAMURI
Ans : My son during his 3rd year & Final Engg. , has developed interest on the basis of
feedback from his friends and classmates for pursuing a degree in MS, besides the
information available in the Net.
Ans : Yes when he stated about his plans for MS I have evaluated the situation
considering my financial status and then after satisfying that I can part finance & the
support of CREDILA I got encouraged.
Ans : They have to see about the present opportunities and accordingly plan it.
the country USA?
Ans : As understood from my son, any proficiency one wants to excel they can pursue and
succeed .
Ans : The foremost key concern as a parent is finance and then the health of the child and
then the company they get for pursuing the course.
Ans : Personal safety, weather conditions and adjusting to the same.
Ans : I don't exactly remember who refereed (may be a friend) then I was in Kolkata and I
visited their office and they are so cooperative and gave the confidence. But I have taken
loan from Mumbai Office & I got the loan without any hassles.

you overcome those.
Ans : At that time fluctuation in $ rate and I was to go back from the situation however, a
friend of mine convinced me that it may not continue and accordingly I have gone a head
when the price of $ is high also.
Ans : Yes it has given immense support to send my son abroad. I also enjoy interest benefit
now.
loan? Why?
Ans : Yes
Ans : I have not yet gone abroad.
Ans : They have to plan first for the proper course where employment is guaranteed and
then meticulous planning is required.

Interview 9
GOPALA CHAKRAVARTHI N S
Ans : My son had chosen USA for his higher studies. The standard of education,
especially higher education, in the USA is far better than any other country. Latest survey
in the Times of India had also mentioned that the standard of education in USA is 1 out of
the top 8 countries.
Ans : No. It was left to him to solely decide on the course.
Ans : Of course, they should support the children to pursue higher studies.
Ans : The students are required to work part time to meet their expenses other than the
tuition fees. This helps them to know the difﬁculty in the work and make them to
concentrate more on studies. It grooms them to shoulder higher responsibilities in
future.
Ans : The children should get good roommates so that they don't get deviated from the
objective for which they have gone abroad. Keep everything required for safe landing in
abroad and ensure the documents required for admission as well as immigration are kept
intact. Now, it is easy to know what are the documents/information required for
immigration and admission, as a click on the computer, you get everything through
internet.
Ans : As I am a client of HDFC, I chose Credila for education loan also. I think the
documentation and procedure are simpler than nationalized banks.

Ans : Whatever you do the things in advance, you end up in tension at the eleventh hour
for one thing or the other. We should keep cool and ensure the things are organized in
right manner for the children to safely reach the place.
you overcome those.
Ans : Of course, deﬁnitely. It had helped in realizing our dream, the fruits of which will be
seen later, after completion of the course.
Ans : Yes. This will reduce the burden on the parents and also help the students shoulder
some of the responsibilities of their parents. Further, it helps them feel that they are self-
ﬁnancing their studies as they would be repaying the loan later after getting employment.
loan? Why?
Ans : My son has just gone in fall 2014. But, he is comfortable and is already adjusting to
the new environment.
Ans : Groom them well in advance. Provide them freedom to take decision and leave them
independently. This will help them to adjust easily to the environment the country where
they go for higher studies.

Interview 10
SRINIVASAN K
Ans : To get exposures in the areas of higher learning which best suited for the present day
job opportunities in the world and to mould himself.
Ans : No. Left to the option of my son which he did in consultation with his
relatives/seniors who are abroad in us, Canada, UK and other technologically advanced
countries.
Ans : My first and foremost advice to parents, when u r financially sound or capable of
managing the loans if taken, send your ward to abroad. If any other commitments like
daughter/s marriage or further Brothers and sisters to study, don't give commitment. Tell
your son to learn cooking which simplifies your cost of living abroad.
the abroad country?
abroad studies.
Q. 6 : How you find Credila different than other education loan lenders
Ans : English language, different culture, discipline, self-reliant, earning skill and
responsibility.
Ans : Financial support for any middle class people, Ward should not suffer for want of
fund. Secondly to Study well and come out successfully.
Ans : As parent you have to give your financial support whenever needed. As student
minimise expenditure, Try to get part time employment or GA and also fees waiver
which is very important.

you overcome those.
Ans : Credila is processing the loan quickly when compared to other financial insts.
Provided the docs as required by them is submitted intact.
Ans : Credila have disbursed the first instalment loan as per their commitment.
Afterwards I have not faced any problem. And not approached for second instalment as
my son has obtained his GA and Fees waiver from the University which is sufficient for his
course completion. I was having 50% of funding once I obtained the University admission
letter. Then the Credila loan sanction letter supported us to get clearance from the
University for financial requirement support for the student.
loan? Why?
Ans : Well, if own funding is there, it is good. Otherwise loan only is a support which you
can go depending on your repayment capacity. Loan interest and principal repayment
provides IT exemptions for parents if they pay simultaneously or for student if they pay
the loan interest and principal at a later date after entering employment
Ans : I have not visited my son's place or university. But I noticed a drastic change in his
English language speaking style, family bonding, feeling a sense responsibility and his
confidence to manage the situation in abroad in one year and when I met him in the
second year in Canada during my personal visit to my daughter's place where he joined
with me a for couple of days and updated the current scope in his education and his future
planning. We all thrilled and advised him to go ahead and to come out successfully.

Interview 11
DILIP NARASINHA KULKARNI
Ans : USA since the specialization of her choice was available there at the best college.
Ans : Yes we selected the course and college together.
Ans : The best opportunity for better education is available there. And we should try to
send the child to destinations like USA, Australia for higher studies and experience.
the abroad country?
abroad studies.
Ans : How to manage money, how to interact with outsiders, balance work and studies...
Ans : How to balance money.
Ans : Distance is the only concern. The safety and security is better there than on our
country.
Ans : Personal attention, helpful people, and accommodative ofﬁcers to support us in
achieving the goal is the best combination that Credila has.

you overcome those.
Ans : The only problem that we faced was, that the university which we selected insisted
on showing the major amount in cash or equivalent. This forced us to get the loan
disbursed long before departure date. Of course Credila helped by doing it quickly.
loan? Why?
What changes you noticed in your son/daughter
Ans : Working class cannot garner enough resources to support the higher education
cost of their wards since it goes in the range of Rs. 20 Lakhs or more. The educational loan
helps us bridge the gap and ensure that the dreams are fulfilled. It is the ladder which
helps the student scale higher walls of finance.
Ans : Four benefits 1. Bridge the gap of finances, no need to wait for the money.
2. Repayment is by the earning of the student and not from the parent. 3. Preemie interest
gets special Income tax benefit on full amount 4. Student, of s/he works in India also gets
IT benefit during the repayment.
Ans : No we have decided to visit our daughter in USA during her graduation ceremony
due in May 2015. Even from here the changes are visible

Apply Online: www.credila.com Apply Online: www.credila.com
Interview 12
MADHAV MADHUKAR MUTALIK
Ans : To explore and learn from the developed world.
Ans : Yes, to some extent. They consult us, request us for advice and some logical
thinking. Finally they make the decision.
Ans : "Take this opportunity”. "Challenge yourself."
the abroad country?
abroad studies.
Ans : Work culture and discipline.
Ans : Keep learning and obtaining information, make a good plan, do the things well in
advance
Ans : 1. ﬁnancial implications 2. Safety 3. Capacity to cope with the situations
Ans : Very cooperative, understanding, and diligent. One name is must to mention:
Silviya Lewis. She is an extraordinary person we met in Credila. She has perfect way of
communication and excellent method of handling the query. Talking to her was like
getting reassured about the way Credila works.

Ans : Plan well in advance. Try to save money.
Ans : No. We have not yet visited. Our daughter went this year (i.e. August 2014).
you overcome those.
Ans : Not really….we tried to comply with the instructions of Credila representatives; at
times we had to wait for the response, but they must be having their administrative
reasons. So ultimately the things were in shape. Silviya Lewis, Asha Bhalerao, Ashwini
Sorte, Mr Nelson, Praveen Jadhav, and many others who came in contact were very
cooperative.
Ans : Yes. It relieved the major part of anxiety.
loan? Why?
Ans : They should go for educational loan, if they cannot raise the ﬁnance on their own.

Apply Online: www.credila.com Apply Online: www.credila.com
Interview 13
ANAMALA BHASKARA CHETTY
Ans : USA. It has better educational system, when compared to other countries.
Ans : Yes I played a role in suggesting the course and Universities to my Son.
Ans : I advise them to go abroad for higher education.
the country USA?
Ans : Student can learn self-dependent and individual growth according to his/her passion.
abroad studies.
Ans : Getting admission in good university.
Ans : My key concerns are getting admission in good university with moderate Tuition
fees and living cost.
Ans : Credila Finance is the professional body and process the loan applications in
faster way.
you overcome those.
Ans : Major problem faced by me is the funding of my Son's education to USA and this
problem is solved by Credila by sanction of educational loan.

Ans : No, I have not visited abroad to see my Son.
Ans : Yes, Educational loan helped me to send my Son to USA. It made a huge relief to me
and to my Son for arranging ﬁnance/money.
loan? Why?
Ans : Yes I suggest students and parents to go for Credila Finance educational loan,
because they are student friendly and they clear the loan faster when compared to
others.

Holidays into the USA
Top 5 Institutions with highest number of International
Student in the U.S. 2011-2012
President's Day, it is celebrated on the third Monday in February.
Memorial Day, celebrated on the fourth Monday of May
Independence Day, honours the nation's birthday on 4th July
Labour Day, the ﬁrst Monday of September
Columbus Day, on the second Monday in October
Thanksgiving Day, is the fourth Thursday in November
Veterans Day, It falls on November 11
Easter, which falls on a spring Sunday that varies from year to year
Christmas Day, December 25
University of Southern California – 9,269
University of Illinois at Urbana-Champaign – 8,997
New York University – 8,650
Purdue University – 8,563
Columbia University – 8,024
New Year's Day, of course, is January 1
Martin Luther King Day, third Monday of January
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