If you ask me how it is different? the first thing is the customer focus as I said because they are looking in to the details what you required? Which university you are applying? What is your timeline of payment and second thing is they will explain process in detail in terms of what is required? Because after all this is financial contract. So the documentation, the collateral and everything as extensive as it is usually in terms of applying loans, but the difference here is the other banks will just push documents and guides to you and they will expect you to understand things while as in Credila you have a dedicated person who is working with you day & night and he is trying to push your case forward by matching the requirements and helping you out in completing steps towards acquiring loan