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Your Future Starts Here.
Study Loans for Pakistan.

Affordable education financing with no collateral, low mark-up rates, and a 6-month moratorium after graduation. (Demo)

SBP Regulated (Demo) No Collateral (Demo) Disbursal in 48hrs (Demo)
5,000+Students Funded (Demo)
2.4BPKR Disbursed (Demo)
94%Approval Rate (Demo)

Student & Education Financing — Pakistan

Complete directory of 14 providers (government, commercial, Islamic, FinTech & global) — July 2026 guide.

Provider Type & offering Key features Rate / cost Best used for Verified
National Bank of Pakistan (NBP) Govt / SBP Student Loan Scheme Covers tuition, books & boarding. Repayment starts 1 year after graduation or employment; up to 10 years. Interest-free Public university scientific, technical or professional degrees Jul 2026
HEC Need-Based / Ehsaas Govt / public-sector grant Non-repayable grants — full/partial tuition + living stipend. Household income typically under PKR 100k/month. Grant Low-income students at public-sector universities Jul 2026
Punjab Education Endowment Fund (PEEF) Provincial grants & loans Need + merit grants for local study; interest-free loans for study abroad up to PKR 2M. Grant / 0% Punjab-domiciled students (local or abroad) Jul 2026
Askari Bank Commercial — Askari Education Loan Personal loan setup up to PKR 1M; tenor 1–7 years; direct disbursement to fee challans. Market / KIBOR+ HEC-recognized unis (civilians or armed-forces dependents) Jul 2026
MCB Bank Commercial — Student Personal Loan Covers up to 80% of admission & tuition (up to PKR 1M). University partnerships (e.g. LUMS MBA / EMBA). Market / KIBOR+ Partnered university programmes Jul 2026
HBL / UBL Commercial — Personal education loans / LOC Requires co-signer/guarantor with income proof. Markup tied to KIBOR + margin. KIBOR + margin Middle-to-high income gap funding (local or international fees) Jul 2026
Bank Alfalah Commercial — Flexible personal financing Structured financing for tuition, equipment, laptops or study travel. Market General education expenses (incl. non-partnered institutions) Jul 2026
Ihsan Trust Islamic / non-profit — Qarz-e-Hasna Token monthly repayments during study (e.g. PKR 3k/month); adjusts after graduation to starting salary. 100+ partner universities. Interest-free Underprivileged students at LUMS, IBA, FAST, NUST & partners Jul 2026
Meezan Bank Islamic education financing Shariah-compliant structures (e.g. Installment Murabaha) with top university tie-ups. Shariah Families needing Islamic structures for high tuition Jul 2026
Akhuwat Foundation Islamic / microfinance — Qarz-e-Hasna Small interest-free micro-loans for higher education and vocational courses. Interest-free Vocational, TEVTA/NAVTTC & diploma students Jul 2026
KalPay Taleem FinTech — BNPL fee installments Split semester fees into 3–6 monthly installments; no collateral. BNPL Avoiding lump-sum semester payments Jul 2026
EduFi / Oraan FinTech — digital education finance Instant digital applications; fees paid directly to colleges. Digital short-term Quick short-term approvals for fee cycles Jul 2026
MPOWER Financing International — overseas collateral-free No co-signer/collateral for eligible US/Canada programmes. Repayment tied to USD earnings post-graduation. Global Pakistani students in eligible North American programmes Jul 2026
Prodigy Finance International — community-backed loans Collateral-free loans covering tuition + living for top global universities. Global STEM & business graduates studying in Europe, UK or North America Jul 2026
Source: Student & Education Financing Options in Pakistan (July 2026) — illustrative for planning; always verify with the provider. StudyLoan facilitates applications; lenders decide credit independently.

Planning takeaways

  • Public vs private: NBP, HEC and PEEF are lowest-cost (interest-free or grants) but usually need household income under PKR 100,000/month and strong grades (often 60%+ or ~2.5–3.0 CGPA).
  • Commercial banks: Askari, MCB, HBL/UBL and Alfalah do not require low income, but carry market rates (KIBOR + margin) and typically need an employed co-signer/guarantor.
  • University aid: Top private universities (LUMS, IBA, FAST, GIKI, NUST) often route Qarz-e-Hasna via partners such as Ihsan Trust or alumni endowments.

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All 14 providers from Student & Education Financing Options in Pakistan (July 2026). See Compare for full matrix.

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