“Despite receiving my admission letter, I did not know how I could make it happen. My parents’ savings were limited, and the banks kept giving confusing answers. I feared my dream might slip away entirely.”

These words belong to Ankit Kumar, a 24-year-old from Rajasthan preparing to pursue an MS in biomedical engineering at the University of Florida. For many students, particularly those from smaller towns, the challenge does not end with securing admission. Tackling the opaque world of education financing, with its complex documentation, collateral requirements, and rigid deadlines, often poses an even greater barrier.

From Super 30 to a vision for change

In Patna, Bihar, 38-year-old Jainesh Sinha grew up in a modest household. His father, an ex-serviceman, ran a small public call office (PCO). The first major financial hurdle came in class 11, when he wanted coaching for the IIT-JEE. Full coaching costs were around Rs 50 to 60 thousand, far beyond what his family could afford. Determined, he self-studied most subjects to crack the exam.

A turning point came when he learnt about Super 30, a merit-based programme providing free coaching for underprivileged students. He sat for the exam in 2004, was selected, and moved into a Gurukul-style setup to focus entirely on preparation. The experience instilled in him a strong ethic of hard work, discipline, and teamwork, as well as an understanding of how financial barriers can derail even the most talented students. This insight later inspired his work in creating systems that combine mentorship with accessible education loans, making sure that students from smaller towns can pursue higher education abroad without financial uncertainty.

“Super 30 taught me that brilliance alone is not enough. Guidance, mentorship, and support can level the playing field. That lesson stayed with me. If I could help even one student avoid the struggle I faced, it would be worth it,” he tells The Better India.

After graduating from IIT Delhi in 2009, he began meeting countless talented students from smaller towns who had the capability but lacked the means to pursue education abroad. He understood that financial barriers, opaque bank procedures, and a lack of guidance were holding back talent. 

“I realised that a student-first approach was missing. It was not enough to help students get a loan; the process had to be structured around their success and understanding,” he says.

Seeing the struggle from the ground

Ankit Mehra (40), also from Bihar, observed a recurring pattern in his conversation with students seeking higher education overseas. Those with offers from reputed universities frequently stalled at the funding stage. Banks demanded collateral, unclear documentation, and rigid timelines that families in smaller towns could rarely meet.

“In many tier 2 and tier 3 cities, families........

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