Am I eligible for student loans for studying abroad and how do I usually pay them off in Ireland/Germany for a Master's?

Yes, you are eligible to apply for student loans to study abroad for your Master's in Ireland or Germany.

Education loans for Indian students typically require:
- Indian citizenship
- Confirmed admission to a recognized university abroad
- Minimum 60% marks in your previous degree (you meet this)
- Co-applicant (usually a parent or close relative with a stable income)
- Good credit score for the co-applicant

Repayment usually starts 6 - 12 months after you finish your course. You can pay from abroad using international bank transfers or online banking, depending on your lender. Loan tenures are typically 10 - 15 years.