HEST 2026
India's Largest Higher
Education Scholarship Test
Total Scholarships up to 2 Cr
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The best way to fund
your study abroad
Recognised by Ministry of Education · 58,000+ Students
- Lowest interest rates
- Collateral-free options
- Loans up to ₹3 crore
- End-to-end assistance
Takes 2 minutes · No impact on your credit score
HEST 2026
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WHY SETTLE FOR ONE BANK?
Let 20+ Lenders Compete for You
One profile, every offer. We match you to every lender and return with the best rates side by side - at zero cost.
LENDER
Axis Bank
Competitive rates · Easy process
9.50% p.a.
Walk-in: 10.00% You save 0.50%
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See all 20+ personalised offers - free
Two quick questions. No credit check, no phone number yet.
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No credit check
30 seconds
Zero fee
* Rates are WMS-negotiated and indicative. Actual rate depends on profile, lender approval, and collateral. T&C apply.
+ 17 more lenders →
WHY STUDENTS CHOOSE US
Everything Stacked in Your Favour
Compare 20+ lenders
One profile, every offer. Banks and NBFCs side by side so you never overpay.
Lowest interest rates
Our team negotiates on your behalf to bring down the rate lenders first quote.
Collateral-free options
Loans up to ₹75 lakh without putting up property or security.
Zero service fee
You pay us nothing - ever. We're paid by lenders, not by students.
Dedicated loan officer
One named expert with you from application through to disbursal.
Visa & university support
Guidance that goes beyond the loan - right up to your departure.
NO PROPERTY? NO PROBLEM
Get Up to ₹1.2 Cr Collateral-Free Education Loans
- No security or property
- 100% digital process
- Higher approval chances
- Quick disbursal
0%
Hidden charges
100%
Safe & secure
4.8/5
Rated by students
EDUCATION LOANS BY COUNTRY
Choose Your Dream Destination
🇺🇸
USA
Loans up to ₹1 Cr
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🇬🇧
UK
Loans up to ₹80 L+
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🇨🇦
Canada
Loans up to ₹70 L+
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🇩🇪
Germany
Loans up to ₹45 L+
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🇦🇺
Australia
Loans up to ₹80 L+
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🇮🇪
Ireland
Loans up to ₹50 L+
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🇫🇷
France
Loans up to ₹50 L+
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🇳🇿
New Zealand
Loans up to ₹50 L+
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EDUCATION LOANS BY COURSE
Funding Tuned to Your Programme
SIMPLE 6-STEP PROCESS
From Eligibility to Disbursal
1
Check eligibility
Quick online assessment
2
Compare offers
From 20+ lenders
3
Choose lender
Pick the best offer
4
Upload documents
Easy digital submission
5
Get approval
Quick sanction
6
Disbursal
Funds to university
Check your eligibility for FREE →
No impact on your credit score · Zero service fee
26,000+ SCHOLARSHIPS
Find the Scholarship You Qualify For
India's largest scholarship database - updated weekly. Every scholarship is verified, filterable, and linkable to a WMS loan for the remaining amount.
Partial Funding
Education Future International Scholarship - USA & Non-USA 2026
Partially funded scholarship, Open to Indian nationals. Study at Universities in all the countries, except India. Award: INR 2 lakhs to INR 10 lakhs.
Partial Funding
The NFU Mutual Charitable Trust Centenary Award 2026
Partially funded scholarship, Open to all nationals. Study at Universities in the UK. Award: Up to 75% fees waiver.
Fully Funded
The Northcote Postgraduate Scholarship 2026
Fully funded scholarship, Open to the UK nationals. Study at Universities in Australia. Award: Living expenses + Flight tickets + Tuition fees.
Partial Funding
The Mary Trevelyan Hardship Fund by International Students House 2026
Partially funded scholarship, Open to all nationals. Study at Higher Education Institutions in London. Award: About GBP 400.
Partial Funding
Arnold O Beckman Postdoctoral Fellowship 2027
Partially funded scholarship, Open to citizens and permanent residents of US. Study at Any U.S. college, university or institution which offers postdoctoral fellowships and holds a 501(c)(3). Award: USD 224,000 over 2 years for salary.
Partial Funding
RSPCA Australia Sybil Emslie Animal Law Scholarship 2026
Partially funded scholarship, Open to Australian nationals. Study at Law schools in Australia. Award: AUD 2,500 + certificate.
Partial Funding
Dementia Grants Program 2026
Partially funded scholarship, Open to permanent residents of Australia or New Zealand. Study at Any Australian university. Award: Varies.
Partial Funding
Leverhulme Trade Charities Trust Postgraduate Bursaries 2026
Partially funded scholarship, Open to UK residents. Study at Educational Institutions in the United Kingdom. Award: GBP 5,000 per year.
Fully Funded
AP Ambedkar Overseas Vidya Nidhi Scholarships for SC students 2026
Fully funded scholarship, Open to students from Andhra Pradesh. Study at Universities in the USA, Canada, UK, Singapore, Australia, Germany, New Zealand, Sweden, Netherlands, France, Denmark, Russia, China, Philippines and Kazakhstan. Award: up to INR 10,00,000/-.
Fully Funded
Australia Awards Scholarships- Palau 2026
Fully funded scholarship, Open to Palau nationals. Study at Universities/Institutions in Australia. Award: Tuition fees + monthly living expenses + other benefits.
Fully Funded
Klassik Stiftung Weimar Fellowships 2026
Fully funded scholarship, Open to all nationals. Study at Institutions in Germany. Award: Upto EUR 1,500 per month + Free accomodation.
Fully Funded
Fulbright New Zealand General Graduate Awards 2027-28
Fully funded scholarship, Open to New Zealand nationals. Study at Universities in the US. Award: Up to USD 50,000 + other benefits.
Partial Funding
Golf Ontario Scholarship Program 2026
Partially funded scholarship, Open to all nationalities. Study at Post-secondary schools in the US . Award: Varies.
Partial Funding
British Hydrological Society And JBA Trust Studentship Award 2026
Partially funded scholarship, Open to all nationals. Study at Universities/Institutions in the UK. Award: up to GBP 3,000.
Partial Funding
Maharaja Sayajirao Gaikwad - SARTHI Scholarship Scheme 2024
Partially funded scholarship, Open to Maharashtrian students only . Study at Any foreign university . Award: Ranges between 30-40 lakhs.
Partial Funding
State Scholarships For Slovenian Students 2026
Partially funded scholarship, Open to applicants of Slovenia. Study at Any university around the world. Award: 100.64 euros.
Partial Funding
Patrick Malone & Associates Scholarships 2026
Partially funded scholarship, Open to all nationals. Study at Law schools in United States. Award: USD 5,000.
Fully Funded
Wellcome Early Career Awards 2026
Fully funded scholarship, Open to the UK, Ireland and Low or middle income country nationals. Study at Universities/Research Institutions in the UK, Republic of Ireland, Low- or middle-income countries (apart from India and mainland China). Award: Salary + up to GBP 400,000 for research expenses.
Fully Funded
Fulbright Foreign Language Teaching Assistant (FLTA) Program (For Indians) 2027-2028
Fully funded scholarship, open to Indian nationals. Study at Universities/Institutions in the US. Award: Monthly stipend + travel expenses + health insurance.
Partial Funding
IPBA Scholarship Program 2026
Partially funded scholarship, Open to applicants from Asia-Pacific countries. Study at Law organizations in Asia-Pacific region. Award: Air fare + accommodation.
Partial Funding
Research Grants by The Leakey Foundation 2026
Partially funded scholarship, Open to all nationals. Study at Any university or research institution in the World. Award: up to USD 30,000.
Partial Funding
GPSTab Scholarship 2026
Partially funded scholarship, Open to all nationals . Study at United States of America (USA). Award: USD 2,500.
Partial Funding
DRS Scholarship 2026
Partially funded scholarship, Open to all nationals . Study at United States of America (USA). Award: USD 1,000.
Fully Funded
Wellcome Career Development Awards 2026
Fully funded scholarship, Open to all nationals . Study at Universities/Research Institutions in the UK, Republic of Ireland, Low- or middle-income countries (apart from India and mainland China). Award: Salary + research expenses.
Partial Funding
Momeni Iranian Financial Assistance Scholarships 2026
Partially funded scholarship, Open to applicants of Iranian descent. Study at Any institution across the world. Award: USD 1,000.
Partial Funding
E.C. Harwood Visiting Research Fellowships 2026
Partially funded scholarship, Open to all except US nationals. Study at Great Barrington. Award: USD 350 stipend per week + other benefits .
Partial Funding
Food Safety Auditing Scholarship and Education Travel Grant 2026
Partially funded scholarship, Open to all nationals. Study at USA, Canada or Mexico colleges or universities. Award: USD 3,000 for 1 year.
Partial Funding
IMechE First Year Undergraduate Scholarships 2026
Partially funded scholarship, Open to all nationals (residents of UK). Study at Institutions in UK. Award: up to GBP 6,000.
Fully Funded
Fulbright Foreign Student Program for citizens of Bosnia and Herzegovina 2027-2028
Fully funded scholarship, Open to Bosnia and Herzegovina nationals. Study at Universities in US. Award: round-trip international airfare + stipends + living expenses + other benefits.
Partial Funding
Albert N. Husted Fellowship at University at Albany 2026
Partially funded scholarship, Open to all nationals . Study at Any accredited University in USA. Award: Varies .
Partial Funding
Future Journalism Teacher Scholarships 2026
Partially funded scholarship, Open to the US nationals. Study at Institutions in the US. Award: up to USD 1,000.
Partial Funding
Study Abroad Excellence Award 2026
Partially funded scholarship, Open to Indian nationals. Study at Any university/institution across the globe. Award: Varies.
Partial Funding
Nehru Study Abroad Scholarship 2026
Partially funded scholarship, Open to Indian nationals. Study at Any university across the globe. Award: Rs.30,000 - Rs.5,00,000.
Partial Funding
Higher Education Scholarship Test for Indian Students HEST 2026
Partially funded scholarship, Open to Indian nationals. Study at All the major study abroad destinations . Award: Funding upto 3 lac per student.
Partial Funding
German Research Foundation (DFG) Heisenberg Programme 2026
Partially funded scholarship, Open to all nationals. Study at Universities/Institutions in Germany. Award: up to EUR 4,450 + Other.
Partial Funding
Eugene S. Kropf Scholarship at University Aviation Association (UAA) 2026
Partially funded scholarship, Open to the US nationals. Study at UAA member college or university in the US. Award: USD 500.
Partial Funding
Navigate Your Future Scholarship 2026
Partially funded scholarship, Open to all eligible high school graduates. Study at Aviation colleges or universities in US. Award: USD 2,500.
Partial Funding
MPOWER Women in STEM Scholarship 2026
Partially funded scholarship, Open to all except US and Canadian nationals. Study at Can be taken at partner universities in the U.S. or Canada. Award: up to USD 5,000.
Partial Funding
Educational Support Fund by Society For Underwater Technology 2026
Partially funded scholarship, Open to all nationals. Study at Universities in the UK. Award: up to GBP 3,000.
Partial Funding
University Aviation Association (UAA) Joseph Frasca Excellence in Aviation Scholarship 2026
Partially funded scholarship, Open to students study at a UAA member institution. Study at University Aviation Association (UAA) member institution. Award: USD 2,000.
REAL STUDENTS, REAL STORIES
Trusted by Thousands of Dreamers
Highly recommend WeMakeScholars for anyone looking for a hassle-free education loan process! My experience with them has been incredible, especially thanks to Saumyakanti Swain ma'am. She has been exceptionally supportive, tracking my file closely, resolving doubts, and pushing things forward smoothly during high-pressure timelines. If you are applying through WeMakeScholars, I definitely recommend coordinating your file with her for a seamless experience.
Pushing things forward smoothly during high-pressure timelines
I have received educational loan for my higher studies in Italy through wemakescholars. Financial officer Kavinyavikasini Karuppuchamy was really helpful from the beginning till the end. She made sure I got all the documents ready for applying and gave me SBI as my loan preference. She patiently responded to all my queries and was quick in action. I got my SBI loan sanction letter in 1 week. The Relationship manager Stalin Sir for SBI loan guided me throughout the process with patience and provided me with quick guidelines for all my requirements as per the country I am going for study. Over all, wemakescholars has made a tedious process real simple with proper guidance and quick assistance. I'm grateful for your help wms team!
wemakescholars has made the process real simple with proper guidance
I sincerely thank Government funded Wemakescholars for helping me secure my education loan successfully. Akshitha Buggannagari, who was my Financial Officer, supported me from the very first consultation till the final loan approval. She clearly explained the complete process and helped me arrange all the required documents correctly. Whenever I had concerns or delays from the bank side, she immediately assisted me and gave proper guidance. Her communication and follow-up were excellent throughout the process. The entire education loan journey became much easier because of her support and experience. I would definitely recommend Wemakescholars and especially Akshitha Buggannagari to students who are planning higher education and need financial assistance.
Communication and follow-up were excellent throughout the process.
Thank you Wemakescholors for your continuous support, thanks to financial officer #bhuvan goud and post sanction officer #uday bhaskar for your efforts. I'm truely grateful for your help and wemakescholars initiative to help students in higher education loan.
I'm truly grateful for the help and initiative
#wemakescholars , is truly a solid initiative that bridges the gap for students dreaming of studying abroad. My personal experience with them has been a perfect 10/10.
I was guided by Palak Gupta Ma’am, and I can confidently say she is the most professional, dedicated, and meticulous advisor I have ever met. The amount of personal attention and proper work dedication given to my case was incredible. The assistance I received was a drastic game-changer for my journey, making a complex process smooth and stress-free. I am incredibly thankful to her and the team for their constant support in helping me achieve my goals. If you want seamless guidance for your global education dreams, this is the absolute best platform!
The assistance I received was a drastic game-changer for my journey
The amount of time we can save in getting a loan sanctioned from them is really appealing.
I've got my loan sanction via WeMakeScholars and it was completely free of cost from their side since they are being funded by the IT Ministry of India.
My financial officer was Muhammed Razil and he was quite helpful and suppotive throughout the process. He made most of my queries and sanctioning almost hazzle free. Honestly my rating will be 4.3 out of 5. I would like to keep that remaining 0.7 for the upcoming processes like debursment and repayment.
If you're looking for an education loan, i would really recommend working with them.
Made most of my queries and sanctioning almost hazzle free
INDIA'S MOST-WATCHED YOUTUBE SERIES ON EDUCATION LOANS
Started and hosted by WMS co-founder
Damini Mahajan
Co-founder & CEO, WeMakeScholars
When students couldn't find straight answers about education loans, Damini started filming. 200+ videos and 10 million views later - India's most-trusted resource on study-abroad financing.
10M+
Total views
150K+
Subscribers
900+
Videos
WE ARE APPRECIATED BY
Recognised at the Highest Levels
From the NITI Aayog to AICTE, India's most important institutions have recognised WMS as a force for educational access.
2016
January
NITI Aayog
SOCIAL IMPACT RECOGNITION
WeMakeScholars wins top honour from NITI Aayog
Recognised as India's top social-impact education initiative at the 5th Annual Forum for Social Enterprise alongside Sam Pitroda.
AK
Amitabh Kant
CEO, NITI Aayog
SP
Sam Pitroda
Advisor to the Prime Minister
2017
October
AICTE
MoU Signing · New Delhi
GOVERNMENT PARTNERSHIP · MOU
WeMakeScholars signs MoU with AICTE
Formal partnership with All India Council for Technical Education to spread higher-education financial awareness across Indian colleges.
AS
Prof. Anil D. Sahasrabudhe
Chairman, AICTE
Your Dream University is Closer Than You Think
Check your education loan eligibility for free and get matched with the best lenders - in under two minutes.
Check your eligibility for FREE →No impact on your credit score · Zero service fee
India's best abroad education loan provider
WeMakeScholars is recognised as one of India's best abroad education loan providers, giving students access to 20+ trusted banks and NBFCs in one place. Whether you plan to study in the USA, UK, Canada, Australia, Germany or anywhere else, we help you secure a collateral-free or secured education loan at the lowest interest rate and the highest sanctioned amount - at zero service fee. Our funding experts compare every offer, negotiate on your behalf and stay with you from your first eligibility check right through to disbursal.
Compare and secure the lowest education loan interest rates
Instead of walking into a single bank and accepting whatever it offers, you can compare education loans from leading lenders such as SBI, HDFC Credila, ICICI Bank, Axis Bank, Bank of Baroda, Avanse, Auxilo and InCred side by side. We match your academic profile, target country and course to the right lenders, so you always see the most competitive interest rates, processing times and loan amounts before you decide.
Collateral-free education loans for study abroad
Worried about pledging property? Our collateral-free education loans offer funding of up to ₹75 lakh without any security, with a 100% digital process and quick disbursal. From MBA, MS and MBBS to engineering, data science and pilot training, we arrange financing tailored to your programme and living expenses - so a missing co-applicant or property never stands between you and your study abroad goals.
Scholarships and end-to-end study abroad support
Beyond loans, WeMakeScholars gives you free access to information on 26,000+ international scholarships worth over $2 billion, plus guidance on student visas, SOPs, cost of living and university selection. With end-to-end assistance, transparent advice and no hidden charges, we make studying abroad affordable and stress-free for ambitious Indian students. Choose WeMakeScholars - the best abroad education loan provider for your global dreams.