Impact of US Visa Rules: Big blow to education loan sector, decline of up to 30–50%; Know the reason

US Student Visa Policy: America has tightened student visa rules. Its impact is no longer limited to only the students who dream of studying abroad, but the education loan sector has also been badly affected.

According to the data of Reserve Bank of India (RBI), there has been a sharp decline in the money sent for studies abroad. For this reason, education loan giving companies have suffered a major setback. Due to this decision of America, there is slowdown once again in the education loan sector.

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Many students are now changing their mind about going to America. Earlier students wanted to study in good universities of America, but due to strict visa rules, now they are turning to other countries.

Students say that it will not be easy to study in America for the next one or two years. In such a situation, thousands of students are now looking at UK, Germany, France and other countries of Europe as an option to study abroad.

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Visa strictness has had a direct impact on the education loan market. In the fall admission season starting from August, there has been a decline of about 23 percent in the money sent for studies abroad.

This amount has reduced from $416 million to $319 million. At the same time, there has also been a decline of about 18 percent in the spring admission season starting from January. During this period, the amount sent decreased from $449 million to $368 million.

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These figures include the tuition fees of the students along with the living and boarding expenses. Education loan companies and NBFCs say that in the year 2025, there has been a decline of 30 to 50 percent in the loans given for foreign studies. This means that banking and loan business is also slowing down.

According to Ankit Mehra, CEO and co-founder of Gyan Dhan, there has been a decline of about 60 percent in education loans related to America. Due to uncertainty regarding visas in America, the situation may worsen in the coming fall season.

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