How should I plan my education budget between savings and education loan?

Plan to use your personal savings for upfront, non-refundable costs like application fees, visa fees, initial tuition deposits, airfare, and your first few months of accommodation. This reduces your loan burden and helps show financial stability during the visa process.

For the main expenses - tuition fees (typically €10,000 - €30,000/year) and living costs (about €10,000 - €20,000/year) - an education loan can cover most or all of these. Indian banks usually allow loans for tuition, living, travel, and visa expenses, often with repayment starting after your course.

Consider setting aside some savings as an emergency fund. Also explore scholarships or employer support if available.