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About EEFS

European Education for Further Studies Connect people worldwide with learning opportunities and creative ideas from all over the world and build lasting Relationship between the countries. Our purpose is to build mutually beneficial relationships between people and countries and increase appreciation of the creative ideas and achievements. EEFS Is involved with is Non Banking Finance Corporation (NBFC) licensed by the Reserve Bank of India (RBI). EEFS is the first and only NBFC which focuses exclusively on education loans. DSP Merrill Lynch Capital Limited is a minority investor in Credila Financial Services DSP Merrill Lynch Capital Limited is a subsidiary of Merrill Lynch. Merrill Lynch is one of the world's leading wealth management, capital markets and advisory companies, with offices in 40 countries and territories and total client assets of almost US$ 1.7 Trillion. (<http://www.ml.com>) Currently EEFS has its India offices at Kolkata. Eurpean Education for further studies is gateway to European Education which covers Europe, U.K., Canada, U.S.A., Australia.Last year more than 1.5 lacs Students gone for Overseas Education. Student from more than 150 Countries going for Overseas Education. Concerned College will provide you a large-scale placement programme by working together with many partner companies around the Globe. Our mission is to guide the student for high quality education of an applied nature meeting the changing requirements of the world, and preparing students for the challenges they will meet in their future careers. The student will become professionally oriented the student are designed to meet the requirements of the business and the industrial sector of the business and the industrial sector of the community around the world. This is the age of global village and international competition means all the world best companies required a international talent in student because study abroad means. Students are able to acquire world best education, working Habit and cosmopolitan. Which is essential for Working in multinational company or setting up own world level company. So after the study it will open the International Career . European Education for further Studies is preluding quality education service to thousand of student to all over the Globe . The conventional system of Education, that per supposes a captive classroom situation, a rigid time table and a slower pace of learning is now getting obsolete. Most modern & flexible system of learning. Engage with EEFS it means you engage with the world. With the international learning opportunity made available students can discover their own talents and identify new areas to interest. European Education for further studies” opening door & creating opportunity your life, talent (skills) & future. European Education for further studies” recognise the power of education, science and training to develop long lasting linkage between between countries and their peoples. There is a realization that any country economic and Social future will be built around the knowledge economy. Today the entire world is standing on a Global Economy will be gadget from the strength of its young generation, particular their capacity to come to terms with the changing global employment market. Student from all around the world have long made their overseas education destination. The four reason make students Distinctly superior and smarter in terms of personality & Intellectual. Discover the powerful future leader inside yourself by joining and let the ground running with the top of the league placement. In the light at globalisation aims to create a new generation of entrepreneurial managers, who can face with confidence emerging challenge a International markets. European Education for further Studies make you a journey without expectation. European Education for further Studies make strong relationship between student & overseas College. All round Development of Studies, Overseas College put strong emphasis on nurturing student all-round qualities, particular in the area of global outlook, critical and innovative thinking, cultural appreciation, entrepreunership & leadership. We see to achieve this object by general education programmes Complementing professional studies. Student exchange programme among all the developed countries which include Europe, U.K. USA, CANADA, Australia and other for e.g if student want to change the country then after completing one year of study he can change it. Activities to promote cultural appreciation among students. Promoting & Developing a bilingual culture on

The conventional system of Education.NY Northeastern University Boston MA Clemson University .TX University of California . At Austin . Chicago .NY . that per supposes a captive classroom situation.Financial Service.OH Illinois Institute of Technology .Old Westbury NY Emerson College .IL Lamar University .Ithaca . What‟s there to lose? Please find the partial list of colleges where EEFS Partner has funded education loan & Provided other services University Of Texas.Chicago . talent (skills) & future.VA National University San Diego . College provide a variety of teaching and assessment methods to encourage independence as well as mastery of the subject this relevant skill is demanded by world top Companies.Clemson . Austin TX Sabena Airline Training Center .Boston MA University of Missouri . Springfield MO Purdue University . Psychometric Testing /Written Test .Recommendation Visa Support . Pittsburg KS Stevens Henager College .Ithaca .Pre Departure. Mesa AZ Pittsburg State University . With the international learning opportunity made available students can discover their own talents and identify new areas to interest.Columbia . EEFS Will Provide world best education and Great Career in terms of job and high end Money.MO University of Illinois .Riverside . ”European Education for further studies” opening door & creating opportunity your life.IL Cornell University . Most modern & flexible system of learning.Interview . This immediately connects with and attempts to resolve the key issue of visiting bank branches multiple times during the education loan process Up to 100% of finance Partial Collateral is accepted More than one co-borrower accepted Multi-location co-borrower accepted Customized loan products with due consideration to academic credential & need Door step service for documentation Quick & efficient service that does not jeopardize student‟s visa application Facility to repay in dollars from the US & online account management services Students view EEFS as : „one more option‟. Riverside .. Urbana . Career pathway planning . Engage with EEFS it means you engage with the world.campus.Falls Church .Champaign . High quality education & worldwide recognition. Murray UT University Of Southern California .Champaign . ¨Branch-less Education Loan Program: EEFS has developed its systems to cater to students from across the country.San Diego Cornell University . West Lafayette IN New York Institute of Technology . a rigid time table and a slower pace of learning is now getting obsolete.Beaumont .Columbia .IL Columbia University in the City of New York New York The Ohio State University-Fisher College Columbus .CA Stratford University . Enhance Career prospects & International job opening.Accommodation .Foreign exchange .SC Illinois Institute of Technology . Los Angeles CA Missouri State University .

UK London Metropolitan University .NY University Of Southern California .UK University of Strathclyde .NY Florida Institute of Technology .Champaign . London .England . London .Bunkingham . Lancaster .London .Rochester .England .UK Staffordshire University Stoke-On-Trent . Wales .FL University of Rochester .UK University of Leeds .Boston MA University of Rochester . Huntsville .Champaign .Melbourne .NY Emerson College .TX University of Mary Hardin .IL University of Houston .Lancaster .UK University of Oxford .Belton .Rochester .England .UK University of Strathclyde .Boston MA University of Rochester .Rochester .UK The University of Buckingham . Cardiff.Surrey .UK The University of Buckingham .San Jose . Columbus .OH Long Island University .UK University of Oxford .England .Oxford .CA San Diego State University . Los Angeles CA Emerson College .Glasgow .UK Lancaster University Management School . Utica Utica . Leeds .UK And Lot more for Detail See University / Organisation Section of the Website………………………… .UK University of Surrey .GA University of San Francisco . Bunkingham .MI Georgia Institute of Technology .San Francisco .London .Coventry .Leeds .IL Orlando Flight Training .Brooklyn Campus .Southfield .CA The Ohio State University-Fisher College .San Diego . Churchland Saint Mary's University Halifax .UK University of East London.England .England .UK University of Wales Institute . Laredo .England . Guildford .Glasgow .Baylor .UK Thames Valley University .CA Lawrence Technological University .Scotland .TX The Ohio State University . Barcelona Edith Cowan University .TX University Of Southern California . Houston . Los Angeles CA Sam Houston State University .FL San Jose State University .Nova Scotia University of Leeds.Illinois Institute of Technology .London .UK University of Warwick . Patrick's College London .Clear Lake .Chicago .TX State University of New York Institute of Technology .UK St.NY Esade Business School.Kissimee .UK College of Technology London . Brooklyn . Urbana .Warwick .Scotland . Oxford .Atlanta . Columbus .NY Texas A&M International University .UK Lancaster University Management School .OH University of Illinois .England .

Optional Services that can be brought in by EEFS at the doorsteps of the education counselors –International Student ID cards –Helping students save on Foreign Exchange transactions –Help to locate appropriate health insurance for the Foreign Country Services Offered by EEFS to Strategic Partner Counselors –Access to EEFS network of the Foreign Universities & College keen on partnerships in India to recruit Indian students –Access to EEFS robust and one of the most comprehensive databases of the Foreign Universities & College –Access to other proprietary information including university comparisons to identify best suited courses. etc. –Students know ahead of time about funding status to decide on appropriate US courses. facilitating admission to the desired University –Counselors bring Education Loan options for the students at their location –Counselors help avoid delays involved in multiple visits to bank branches. Some of the issues faced by students include: Flexibility in terms of the loans which need to be customized to the requirements of the students and their respective courses Ability to find the required margin money (portion of the fees that is to be paid by students/parents which is not covered by the loan) Required loan amount is more than the value of the collateral security Ability to prove that the University. can make your dreams come true! EEFS aspires to help deserving bright Indian students achieve their dreams of higher education. EUROPE. Availability of the education loan. CANADA. College and the applied Course is appropriate. Benefits to Students –Students can apply for loan at the time of applying to Foreign Universities & College demonstrating funds availability.STUDENT LOAN Student Advantage Upto 100 % Finance ( Fees & Other Expense ) Fast Application Processing Education stands between poverty and prosperity. UK. AUSTRALIA or already in the FOREIGN COUNTRY. potential starting salaries after graduation. at the appropriate time. Indian students attending colleges in India Money paid for education is the best investment anyone can ever make. Education transforms lives! Education opens doors of opportunities! EEFS offers education loans to: Indian and Foreign students going to the USA. etc –Access to EEFS US support services like identifying H1 B lawyers for students –Access to EEFS network of short-term/temporary housing when students land in the Foreign Universities & College –Access to EEFS network of airport pick up services from Foreign airports –Competitive advantage for consultants over other such organizations Study In India Loan EEFS understands students and their needs! Students face many challenges while securing education loans. (This can be quite .

Some of the issues faced by students include: For students going to the USA. EEFS credit scoring model for the approvals of loans is designed specifically for education loans. Student Loan Product This is an Indian Rupee denominated student loan for following students: Indian students going overseas for Study and Indian students attending colleges in India The loan will be disbursed in India in Rupees which can be converted in foreign currency. Canada. there are number of activities and formalities which take away the time. College and the applied Course is appropriate. etc. EEFS objective is to work closely with students and parents to try to identify the appropriate education loan programs for them. EEFS. processes and know-how related to the education industry. Study in Foreign Country Loan EEFS understands students and their needs! Students face many challenges while securing education loans. EEFS objective is to work closely with students and parents to try to identify the appropriate education loan programs for them. there is a tremendous time pressure to get education loan in time Flexibility in terms of loans which need to be customized to the requirements of the students and their respective courses Ability to find the required margin money (portion of the fees that is to be paid by students/parents which is not covered by the loan) Required loan amount is more than the value of the collateral security Ability to prove that the University. Running around from one branch to the other and doing multiple rounds for education loans get very difficult Visa interview deadlines keep approaching fast and the education loan approval letter is required well in time to set up the visa interview. processes and know-how related to the education industry. EEFS has numerous databases on education sector. understands problems. etc. EEFS is a specialized lender for education loans. EEFS has numerous databases on education sector. Australia. EEFS credit scoring model for the approvals of loans is designed specifically for education loans.challenging if the decision maker is not aware of the thousands of valid and accredited educational choices available in today's fast changing world of education) Ability to get the loan approval letter in time to meet the admission related deadlines Ability to get appropriate customer service during the repayment cycle Ability to get web-based access to the loan account with web enabled transaction processing inclusive of electronic payments. understands problems. etc. UK. challenges and issues faced by the students and their parents. therefore. challenges and issues faced by the students and their parents. Repayments of the loan to be made by the borrower in Indian Rupees only. EEFS has invested time and resources to set up appropriate systems. (This can be quite challenging if the decision maker is not aware of the thousands of valid and accredited educational choices available in today's fast changing world of education) Ability to repay the loan from the Foreign University & College Ability to have customer service from the Foreign University & College with a toll free number Ability to get web-based access to the loan account with web enabled transaction processing inclusive of electronic payments. . therefore. if needed. EEFS has invested time and resources to set up appropriate systems. Hence. by the student. EEFS. EEFS is a specialized lender for Education Loans.

000 for travel to abroad from India. books. if applicable Loan Amount Minimum Loan Amount Indian Rupees 1.000 Rate of Interest Rate of interest will be floating rate of interest linked to EEFS Benchmark Lending Rate (CBLR) The floating interest rate will calculated monthly based on the prevailing CBLR at the beginning of the month The interest will be calculated using Simple Interest Rate Floating rate of interest to be EEFS CBLR + 1.After 6 months of completion of studies by the borrower or 2.Loan interest re-payment will start immediately after disbursement of the first installment of the loan Loan Principal Amount Re-payments must commence 1. like the primary debtor What Costs Are Covered? All of the tuition fees as determined by the college/University Up to 75% of other expenses including living expenses. or any other relative Co-borrower's role would be.Eligibility Borrower must be an Indian citizen Co-borrower must be an Indian citizen Borrower must be 18 years of age or older Co-borrower must have a bank account in any bank in India with check writing facilities Confirmed admission in the colleges before disbursement Borrower and Co-borrower to meet EEFS underwriting criteria Co-Borrower Requirement The loan will be co-signed by a co-borrower in India A co-borrower is mandatory for all the student loans The co-borrower can be parent. brother.3 month after borrower discontinuing the educational program. whichever is earlier. as determined by the college/University Up to INR 50.000 Lifetime Maximum Loan Amount Indian Rupees 20. guardian.3 month after borrower getting an employment or starting a business or 3. sister. necessarily.00% per annum Loan Disbursement The loan amount will be disbursed in Indian Rupees EEFS servicer will disburse the tuition fee directly to the educational institute The tuition fee will be disbursed in installment as per the requirement of the specific educational institute The loan amount related to other expenses will be disbursed in installments spread over the duration of the study Loan Re-payment Terms Loan Interest Re-payment 1. etc. The principal and interest is repayable in 90 monthly installments Monthly repayment amount will be deducted from the bank account of the borrower/co-borrower using Electronic Clearing System (ECS) Post Dated Checks (PDC) to be collected as security cheques from the borrower/co-borrowers Collateral The following types of collateral are accepted .00.00.

EEFS: Approve or deny loan 9. sister. Following types are acceptable •Non-Farm Land •House/Apartment/Flat •A life insurance policy for the student/co-borrower. RBI Bonds. but the Universities also get credit scored based on the programs etc. Multiple collaterals can be accepted. 20 Lakhs •Typical Tenure of the loan to be 2 Years In College + 5 Years Repayment = Total Tenor: 84 months •Repayment using ECS (Electronic Deduction)? •Loan interest re-payment to start immediately after disbursement of the first installment of the loan Requirements •Admission to Course at an accredited Foreign university or College.Student: Submit validated supporting documents 3. assigned in favor of Credila.1.EEFS: Verify student enrollment 5. or any other relative •Collateral security is required. Before or After getting Admission Confirmation from University or College EEFS will review the application and proceed with its underwriting/credit workflow. •Completed Education Loan application form with all supporting documents •Credit worthy co-borrower is required •The co-borrower can be parent. EEFS has a unique Underwriting model where not only the students and co-signers get credit rated.EEFS : Get signed post dated checks & other documents . for the value of at least the amount of loan approved Education Loan Product Details •Loans up to 100% of the tuition fees plus living expenses •Collateral security value can be less than 100% of the loan amount •More than one co-borrower can be accepted •Customized loan products based on individual student needs •Competitive Rates Of Interest •Maximum loan amount of Rs. please send the email to eefsglobal@yahoo. brother. assigned in favor of Credila •Fixed Deposits.House 3. etc How Will It Work? Student can apply for student loan from EEFS.com Student Loan Process Following is the student loan application process: 1.EEFS: Perform risk analysis using EEFS “Predictive Credit Scoring Model” 8.Non-Agricultural Land 2.EEFS: Check credit reporting agency report for borrower & cosigner 6.EEFS : Sign a Promissory Note 10.Student: Student interview with EEFS 4.Apartment/Flat A life insurance policy for the student. Kisan Vikas Patras. Approved students will be offered student loans and the Universities & College will be informed accordingly To Get More Information. guardian.Student: Complete Student Loan Application Form 2.EEFS: Check credit reporting agency report for borrower & cosigner 7.

com / eefsglobal@rediffmail. Full Address.webs.700 078. or 20% (US$15. Malta. Bulgaria. Poland. Hungary. Belgium. the Czech Republic.D.co. France.making it the largest economy in the world. Important Dates (For Student Appearing / Passed Out in 10+2 Level ) For September 2012 Intake.com The European Union has established a single market across the territory of all its members. the Netherlands. Republic of Ireland.282 trillion) of the global economy. It is the largest exporter.170 trillion) when adjusted in terms of purchasing power parity.com / www.com E-mail : efsglobal@yahoo. Lithuania. Denmark. The European Union (EU) is an economic and political union of 27 member states which are located primarily in Europe Austria. Germany. Portugal. European Union generated an estimated 28% share (US$ 16.nr / www. the eurozone. Info Center Hotline : 0987 468 3290 / 0923 027 9846 Web : www. using a single currency comprises 17members states. The European Union covers over 4 million km² and has 495 million inhabitants Currency -euro .5 trillion) of the world's nominal GDP. Mobile No & E-mail in the Back side of the D. Haltu. A monetary union. Romania.webs. Fax : 033 24845110. Kolkata . Slovenia. Estonia. Sweden. Send it on following Address European Education for Further Studies India Office : 139. and the biggest trading partner to several large countries 50 percent of the population speaks English.eefsglobal.11. and an estimated 21% (US$ 14. Mentioning your Name. Call : 033 24845119 (SOS 20-line). of the top 500 largest corporations measured by revenue (Fortune Global 500). 161 have their headquarters in the European Union . German and French.eefsglobal. Greece. and the United Kingdom.efsglobaldirect.EEFS : Disburse education loan HOW TO APPLY Candidate Want to Apply For Education Loan Programme for this Candidate have to take Broucher & Application Form for this you are required to send a Non refundable Demand Draft of Rs 800/ (Eight Hundreed only) in favour of European Education for Further Studies. Slovakia.8 trillion) share of the global GDP (PPP). Italy. . Kayastha Para Main Road. Latvia. Cyprus. the largest importer of goods and services. European Union generated an estimated 26% (US$16. Spain. Luxembourg. Payable at Kolkata. Finland.

(For Student Appearing / Passed Out in 10+2 Level ) Issue of Prospectus & Application Form Begins on : The Prospectus & Application Form Issued upto Last Date : The Last Date for Submission of Application form : Exam will be held on : Course Starting Date : 4 June 2012 23 August 2012 30 August 2012 September 2012 February 2013 Important Dates ( The candidate who are applying after Diploma / Engineering / Bachelor of Engineering / Architecture / Teachers / MBA / MCA / Medical (MBBS / BDS. BHMS / BAMS. Nursing.Issue of Prospectus & Application Form Begins on : The Prospectus & Application Form Issued upto Last Date : The Last Date for Submission of Application form : Exam will be held on : Course Starting Date : 14 January 2012 3 March 2012 7 March 2012 9 May 2012 September 2012 Important Dates ( Late Apply ) (For Student Appearing / Passed Out in 10+2 Entry ) Issue of Prospectus & Application Form Begins on : The Prospectus & Application Form Issued upto Last Date : The Last Date for Submission of Application form : Exam will be held on : Course Starting Date : 20 March 2012 24 April 2012 30 April 2012 9 May 2012 September 2012 For Febrauary 2013 Intake. Pharmacy) or any other Graduate/ Post Graduate for all the programme including Trainee Job / Internship / Sponsorship / General or any other ) .

com E-mail : eefsglobal@yahoo. Kolkata . Issue of Prospectus & Application Form Begins on : The Prospectus & Application Form Issued upto Last Date : The Last Date for Submission of Application form : Exam will be held on : Starting Date : Important Dates ( Late Apply ) Issue of Prospectus & Application Form Begins on : The Prospectus & Application Form Issued upto Last Date : The Last Date for Submission of Application form : Exam will be held on : Starting Date : How to Apply 14 January 2012 24 April 2012 30 April 2012 September 2012 February 2013 4 June 2012 23 August 2012 30 August 2012 September 2012 February 2013 For Prospectus & Application Form Send a non refundable Demand Draft of Rs 1000 (One Thoiusand only) from a Nationalized Bank in favor of “European Education for Further Studies” Payable at Kolkata.700 078.com / www. Prospectus & Application Form will be available at below mentioned address by Speed Post / Registered Post /Courier or by Hand.com / eefsglobal@rediffmail. Direct : 033 24845110. Late Application :Those Candidate are not able to apply on time the have to pay late fees of Rs 50/It means for a prospectus and application form the have to send a Demand Draft of Rs 1050 (One Thousand fifty only) in favour of European Education of Further Studies Payable at Kolkata. European Education for Further Studies India Office : 139. Kayasth Para Main Road. Haltu. Kolkata .webs. The Prospectus & Application Form Will be Available at below mentioned Address.For February 2013 Intake. France Call : 033 24845119 (SOS 20-line). but it can not be held responsible or guarantee accuracy. European Education for Further Studies India Office : 139. actuality and . Kayasth Para Main Road.700 078. Kayasth Para Main Road.eefsglobaldirect. Haltu. Haltu. Or Euro 25. Europe Office :18 rue Pasquier . India.webs. Kolkata . 9874683290 Web : www.700 078.75008 Paris .eefsglobal. Mention your name and full address at the reverse side of the Demand Draft. Contact Ous European Education for Further Studies India Office : 139.com If you required any further information please feel free to contact us LEGAL NOTICE This Website is regularly checked by the EEFS.

Even if data encryption is used. or any material found there. including warranties about the accuracy. profit opportunity or business. Links to third party websites are provided solely for your convenience. completeness or suitability for any purpose of this website and its contents. including (without limitation) special. However. EEFS does not control and is not responsible for external websites or their content or availability and does not endorse or make any representations about them. This exclusion of liability applies to all damages of any kind. Any losses incurred or sustained by users who transmit information by electronic means shall be borne solely and exclusively by such user and in no event shall any such losses in whole or in part be borne by EEFS. EEFS does not exclude or limit liability for death or personal injury caused by its negligence or any other liability that may not by law be excluded or limited. Any access to third party websites linked to this website is made entirely at your own risk. indirect or consequential damages. Disclaimer EEFS is providing this website and its contents on an “as is” basis and makes no representations or warranties of any kind with respect to this website and its contents. The EEFS can not be held responsible for direct or indirect damages in connection with the offered information. you leave this website. loss of data or software. EEFS disclaims all such representations and warranties. or any results that may be obtained from using them. links and their contents. If you use these links. loss of income. .completeness of the offered information. This website and any related services are provided and therefore neither EEFS nor any of its employees or other representatives will be liable for any damages arising out of or in connection with the use of this website and such related services. loss of or damage to property and claims of third parties. the security of information transmitted via the Internet cannot be guaranteed.