Education-loan disbursement, moratorium and repayment: map the dates

Start with the university calendar

List acceptance deposits, tuition instalments, insurance, housing and living-cost dates in the required currency. Then ask which costs the lender can fund, who receives each payment and what evidence triggers release.

Document every disbursement condition

A sanction amount is not the same as cash available today. Record margin contribution, original-document checks, visa or enrolment evidence, invoice requirements and processing time for every tranche.

• Payment purpose and currency
• University or student account
• Documents required
• Family margin due
• Request date
• Expected value date
• Transfer and conversion charges

Understand the moratorium

Moratorium does not automatically mean interest-free. Ask whether interest accrues, whether it is paid during study or added to the balance, when repayment begins and what changes after an interruption or course extension.

Reconcile the first repayment schedule

Before the first instalment, match the amount disbursed, charges, interest entries, outstanding balance, rate and repayment dates to the lender's statement. Raise unexplained differences in writing.

Primary sources