I took some "student loans" "for private expenses," and not for tuition and insurance (which were granted by the university as part of scholarship package), and the university itself was my co-signer. The Dean of the financial-aid office signed on behalf of the university, and it was through the citigroup I got some loan.It was within a day or two we finalize, and I think I got the money within 7 days or so and used it to buy a house in KTM. Honestly, it was very easy, and the APR was just 5.8%.