America lo MS cheyyadam: Loan mela ante, "Dollar Dreams lo Debts ka Drama?" (Dreaming in Dollars, Drowning in Debts?)
Ayyo chudandi! US lo master's, American Dream ki first step anukunta? Antha swag lo "Yo bro, MBA ki loan ivvam ra?" annamati ante kashtam untundey. Loan process tho okkalidi oka "Jurassic Park" adventure ki oka tumba close second ippukuntadi. Edainaa, tension tho pettaledu! Amma garala kaalu tho akkarey, naaku sampurna guide mippattunda.
Step 1: Collateral or Collateral Not?
Aaa loan koshta valla bhadravattam idhey kadha? Collateral antey, "amma garala pellam" avasaram ledhu ra! Aadhaar card, PAN card oka photo lo petti chusa, loan ivvai. Public sector banks (SBI, Bank of Baroda) oka 1.5 crore varaku ivvani kuda ready undey. Interest tho koncham jasti untadani mana budget lo adjust cheyyadam. Private banks (Axis, ICICI) unsecured loans 50 lakhs varaku ivvai, interest tho kaaikestha unnadi. Lekunte, HDFC Credilla, Avanse Financial Services tho unnayi, non-banking finance companies, unsecured loans ivvainav. International lenders kuda unnaru ra, MPower, Prodigy Finance ki US lo oka reputation undi, 100000 USD varaku ivvandi, interest rate tho US style lo high untadi.
Step 2: Documents ki Drama
Loan application antey oka document mela oka signature avasaram. Aapadam college acceptance letter, I-20 form, GRE/GMAT scores, bank statements antey oka paper fort kಟ್ಟాలి. Lekunte, "loan officer" uncle oka document miss ayyindi antey, oka Jurassic Park velociraptor ki oka high five ivvayyi, loan file reject cheyyadam.
Step 3: Guarantor ki Ghayal
Loan ivvakunda ledu ani oka guarantee avasaram ani anukuntunnava? Amma, nana kashtam ledhu! Aapadam, papa garidi fixed deposit, pedda mama garidi bond ki photo chupti oka guarantor pettey loan ready anukunna.
Step 4: Subsidy ki Symphony
Education loan lo interest ki oka symphony unnadi. Government anna "loan interest lo naaku oka part bear cheyyadam ra, chala ga undi" ani okka melody petti undi. Income Tax Act 80E section ki oka sur veyyi. E loan interest ki tax benefit chaala baaga undey.
Bonus Tip: "Loan Shark" ki Shock Treatment
Loan process lo oka loan shark "loan processing fee" anipinchukochi kuda chanda undey. Lekunte, "loan officer" uncle ki oka box of kaju barfi ivvey, interest rate tho koncham down cheyyadam anukunna!
Conclusion: Loan lo Life, Life lo Loan?
US lo MS ki loan mela ante tension tho undey, lekunnanu proper planning chalo, chala easy ga ivvey. Lekunte, loan tho oka life support system anukunna, career ki oka jetpack anukunna, US dreams ni reality ga cheyyadam anukunna. So, chill maaro, loan mela, America ki fly. Jai ho!
Remember, this is just a lighthearted guide. For detailed information and official documentation, always consult professional financial advisors and lending institutions.
Now go forth and conquer those American dreams, but don't forget to budget responsibly and manage those debts like a pro! Wishing you all the best!
