1. The loan is issued to the applicant/student, i.e., the responsibility for paying for tuition is transferred from the parents to the applicant/student.
2. All levels of education: colleges, bachelor's degrees, master's degrees, doctoral degrees.
3. All forms of education: full-time, part-time, daytime, evening, distance learning, etc.
4. The interest rate is significantly lower than the market rate.
5. Long loan term.
6. Deferral of loan repayment while the student is studying and for 6 months after graduation.
7. No collateral.
8. The loan amount is limited only by the cost of tuition.
9. The loan is transferred to the educational institution's account each semester/year as needed.
10. The loan is issued by partner banks and can be obtained in all major cities of Kazakhstan.

Documents for the borrower:

1. Identity card.
2. ENT certificate (notarized copy) for applicants or transcript for the last session.
3. Contract for educational services or invoice indicating the cost of the training period.
4. Notarized consent of parents (legal guardians) to receive a loan if the borrower is under 18 years of age, as well as other documents if required by the Bank.

Documents for the co-borrower:

1. Identity card.
2. Certificate from the place of work.
3. Information about pension contributions.
4. Documents reflecting and confirming salary.
5. Other documents may be required if requested by the Bank.