Poland is becoming a popular choice for Indian students who want a high-quality education at an affordable cost. Universities such as the University of Warsaw, Jagiellonian University, and Warsaw University of Technology are recognised globally for their academic standards and research.
In fact, 2024 recorded a 23% jump in overseas students, further strengthening Poland’s position as a fast-growing study destination.
For many Indian students, funding this educational journey requires a well-planned approach, which often begins with getting an education loan for Poland. This article will serve as your complete guide, detailing how to get a study loan for Poland.
Top Universities in Poland
Poland is home to several top-ranked universities that are highly regarded internationally. For instance, the University of Warsaw ranks 271st globally, while Jagiellonian University holds the 303rd spot in the QS World University Rankings 2025.
Below are the universities that provide excellent education at much lower costs than those in Western Europe.
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Types of Education Loans and Interest Rates
Indian students can choose between secured and unsecured education loans to fund their studies in Poland. The interest rate on an education loan is a crucial factor, as it determines the total cost of borrowing.
Secured Education Loan for Poland
Secured loans are backed by collateral, such as property, fixed deposits, or other assets. These loans typically have lower interest rates and a higher loan amount. Public sector banks like SBI and Union Bank of India are among the key lenders offering these loans.
Unsecured Education Loan for Poland
Unsecured loans do not require collateral and are granted based on the borrower's academic record, the co-signer's financial profile, and the university's ranking. These loans often have a higher interest rate but are preferred by students who do not have assets to pledge.
Here’s a list of prominent lenders offering unsecured education loans for Poland.
Planning to study overseas but worried about finances? Don’t miss our detailed guide on how to get an education loan for abroad studies in 2024.
Repayment of Study Loan for Poland
Most education loans for Poland come with a moratorium period, during which you are not required to make any repayments. This period typically covers your entire study duration plus a grace period of 6 to 12 months. This allows you to find a job and start earning before you begin your EMI payments.
The repayment period can last from 5 to 15 years, depending on the loan amount and the lender. You can often choose a repayment plan that fits your financial situation.
How to Choose the Best Bank for Education Loan in Poland
By following a structured approach, you can ensure all documents are in order and the process goes smoothly, reducing the chances of delays or rejections.
1. Research Loan Options: Compare secured and unsecured loan options from different lenders to find the one that best suits your needs.
2. Check Eligibility: Ensure you and your co-applicant meet all the eligibility criteria.
3. Prepare Documents: Gather all the required documents, including academic records, proof of admission, and financial statements.
4. Submit Application: Fill out the loan application form and submit it along with all the necessary documents.
5. Disbursement of Funds: Once your loan is approved, the funds will be disbursed directly to your university or your bank account, depending on the loan terms.
While this guide focuses on Poland, if you’re considering other destinations too, our detailed blog on Education Loan for MS Abroad breaks down loan eligibility, interest rates, and application steps for international students.
Education Loan for Poland: Eligibility & Requirements
Securing an education loan for Poland hinges on a comprehensive evaluation of the applicant's profile, including their academic record, the co-applicant's financial standing, and the chosen university's reputation. Lenders scrutinise these factors to determine the loan amount and interest rate, ensuring the loan is a sound investment.
1. Applicant must be an Indian citizen.
2. A consistent and strong academic record is generally required.
3. Must hold a confirmed admission letter from a recognised Polish university, for undergraduate, postgraduate, or doctoral study.
4. A co-applicant (usually a parent, guardian, or sibling) with a stable income is almost always needed.
5. Applicants should be between 18 and 35 years old.
Planning to take an instant loan for studies in Poland? Make sure you know the co-applicant rules first. Our guide on Who Can Be a Co-Applicant for an Education Loan breaks down the eligibility and documents you’ll need.
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Documents Required for Poland Education Loan
To apply for a study loan for Poland, you will need to provide a set of documents to the lender. Here is a general checklist:
1. A fully completed and signed loan application form is required.
2. A formal admission letter from the recognised Polish university must be submitted.
3. Two recent passport-size photographs of both the applicant and co-applicant, preferably with a light background, are essential.
4. Identity and address proofs, such as passport, Aadhaar, PAN, driving licence, voter ID, or utility bills, must be provided for both parties.
5. Academic documents, including mark sheets/certificates for Class 10, Class 12, and graduation (if applicable), must be included.
6. Entrance exam scores like IELTS, TOEFL, GRE, or GMAT, must be submitted if required by the university.
7. A statement of cost of study or university-provided fee structure is needed to outline tuition, accommodation, and living expenses.
8. Co-applicant (typically a parent/guardian) financials—including bank statements, salary slips, income tax returns, and Form 16 (for salaried), or income returns/GST documents for self-employed must be provided.
9. Collateral documents, such as fixed deposit receipts or property papers, are necessary when applying for a secured loan.
If you’re looking for education loan options that don’t require collateral, do check out our detailed guide on Banks That Give Education Loans without Collateral for Abroad.
Cost of Living and Education in Poland
Understanding the financial commitment is the first step toward securing an education loan. The overall cost of studying in Poland can be broken down into two main components: tuition fees and living expenses.
Cost of Education
The cost of tuition in Poland is a major attraction for international students. Public universities are far more affordable than private institutions. Here's a table highlighting the average annual tuition fees for international students in Poland.
University Type
Average Annual Tuition Fee (PLN)
Approx. Annual Tuition Fee (INR)
Public University
PLN 8,522 – 25,565
₹2,04,000 – ₹6,12,000
Private University
PLN 8,522 – 34,086
₹2,04,000 – ₹8,16,000
Cost of Living
Poland is considered one of the most affordable countries in Europe for students. Here's a breakdown of the estimated average monthly cost of living for Indian students in Poland.
Getting an education loan for Poland can open the door to your study abroad dreams. By comparing lenders and selecting the right option, you can make the process simple and hassle-free. Looking to begin your journey? Propelld offers customised education loans designed to match your needs and make studying in Poland easier.
Propelld has you covered with personalised education loans that fit your unique needs. Propelld offers fast digital approvals, study loans of up to ₹50 lakhs, and the ease of zero-collateral requirements.
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