Got an admit to Cebu Doctors' University? Compare education loans from 12+ banks & NBFCs, rates from 8.6% (if simple interest is paid during the course; 9.6% otherwise), and see how much you can borrow, your EMI, and the 9(f) Student Visa proof you'll need.
₹20–35 L
Typical Loan
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From 8.6%
(if simple interest is paid during the course; 9.6% otherwise)
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₹20–35 L typical for Philippines
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The Complete Guide
Cebu Doctors' University is a university in the Philippines. For Indian students, a typical Philippines programme costs ₹28–40 L for the full BS+MD pathway in total, so most fund it with an education loan rather than paying out of pocket.
For Philippines, Indian banks and NBFCs sanction loans of ₹20–35 L on average, with unsecured limits going significantly higher for strong academic and co-applicant profiles. Top lenders for Cebu Doctors' University include State Bank of India (SBI Student Loan), Bank of Baroda (Baroda Vidya/Scholar), Avanse Financial Services each with different rates, processing times and university lists, which is why comparing offers matters.
FundMyCampus matches you to the right lender for Cebu Doctors' University and handles the paperwork end-to-end, completely free for students. This guide covers how much you can borrow, the best banks, cost breakdowns, EMI estimates, and the 9(f) Student Visa financial proof you'll need.
Your Journey
From admit to disbursement, what FundMyCampus handles end-to-end.
Check eligibility
Free 2-min quiz tells you which banks will approve and at what rate.
Submit documents
Upload through our portal. We organise and stress-test before submission.
Sanction in days
Most Philippines loans approved in 5–14 days. We chase the bank for you.
Disbursement
Bank wires fees directly to Cebu Doctors' University. You focus on the move.
Lowest rate with collateral: 8.6% (PNB Udaan, if you pay simple interest during the course; 9.6% otherwise). Without collateral, NBFCs lend at about 10.5%.
State Bank of India (SBI Student Loan)
Max: ₹40 L
9.15% to 10.15%
Lowest rates for Philippines MBBS. For amounts above ₹7.5 L, collateral is required. Best for families with property to pledge and time to process (15–25 days).
Bank of Baroda (Baroda Vidya/Scholar)
Max: ₹40 L
Rate on request
We'll get the current rate for you
Strong PSU option for NMC-approved Philippine universities. Slightly faster at Tier-2 city branches. Collateral typically required above ₹7.5 L.
Avanse Financial Services
Max: ₹50 L
Rate on request
We'll get the current rate for you
Funds the full course fee in one sanction. Flexible on co-applicant profile. Best for families without property collateral. 5–10 day approval.
Auxilo Finserve
Max: ₹40 L
Rate on request
We'll get the current rate for you
Specialises in overseas MBBS. Approves cases banks decline. Accepts informal-income co-applicants. Fast 5–8 day processing.
Credila
Max: ₹50 L unsecured
Rate on request
We'll get the current rate for you
Largest unsecured amount for overseas MBBS. 5–8 day approval. Best for last-minute admits and full-fee single disbursement.
ICICI Bank Education Loan
Max: ₹40 L
Rate on request
We'll get the current rate for you
Faster than PSU banks (7–14 days). Good middle option on rate vs speed for NMC-listed Philippine medical universities.
PNB Udaan
8.6% (if you pay simple interest during the course; 9.6% otherwise)
PNB Udaan standard, with collateral. Without collateral: rate on request. Rates confirmed by FundMyCampus with PNB.
For Philippines MBBS, the key threshold is ₹7.5 Lakhs. PSU banks (SBI, Bank of Baroda) lend up to ₹7.5 Lakhs without collateral. But a full Philippine medical degree costs ₹28–40 Lakhs, so collateral is almost always required for the full amount. Acceptable collateral: residential property (LTV 75–85%), fixed deposits (LTV 90%), LIC policies (surrender value), and government bonds. If your family lacks property, NBFCs are the practical route. Avanse, Auxilo, and Credila offer unsecured loans up to ₹40–50 Lakhs based on co-applicant income and the student's program. NBFC rates run 2–3% higher than PSU banks, but they fund the complete course fee in a single sanction and approve in under 10 days. A common hybrid strategy: take a ₹7.5 L unsecured PSU loan for the first phase plus an NBFC top-up, or pledge a modest FD to unlock a lower PSU rate on the full amount.
Use these Philippines estimates to right-size your Cebu Doctors' University loan, under-borrowing forces 18%+ personal loans abroad, over-borrowing wastes interest.
Tuition
Living
Travel
Misc + Books
Average Total Program Cost
₹28–40 L for the full BS+MD pathway
Total for 5.5–6 years (BS + MD), including living costs.
| Program | Tuition | Living | Travel | Misc | Total |
|---|---|---|---|---|---|
| MBBS / BS+MD (5.5–6 yrs) | ₹14–22 L | ₹10–14 L | ₹1.5–2.5 L | ₹2–3 L | ₹28–40 L |
| Pre-Med / BS course (1.5–2 yrs) | ₹3–5 L | ₹3–4 L | ₹0.6–1 L | ₹0.5–1 L | ₹7–11 L |
| MD clinical phase (4 yrs) | ₹11–17 L | ₹7–10 L | ₹1–1.5 L | ₹1.5–2 L | ₹20–30 L |
| Nursing / Allied Health (4 yrs) | ₹6–10 L | ₹7–10 L | ₹1–1.5 L | ₹1–1.5 L | ₹15–23 L |
Visa Essentials
What you need to prove for your Philippines student visa to Cebu Doctors' University
Year 1 fees
Tuition Proof
₹8–14 L
Living costs
Accepted
Loan sanction letter
3 key items
Requirements
Key Requirements
The Philippines 9(f) Student Visa is processed through the Bureau of Immigration after your university issues a Notice of Acceptance and a Certificate of Eligibility for Admission (CEA) from the Commission on Higher Education (CHED).
You'll typically need: (1) The education-loan sanction letter on bank/NBFC letterhead stating the sanctioned amount and confirming funds are available for the tuition and living costs.
Because Philippine medical universities disburse fees year-by-year (not all upfront), banks often release the loan in annual tranches tied to each year's fee invoice.
Requirement 1
The Philippines 9(f) Student Visa is processed through the Bureau of Immigration after your university issues a Notice of Acceptance and a Certificate of Eligibility for Admission (CEA) from the Commission on Higher Education (CHED). Financial proof requirements are more modest than Western countries, but a clear loan sanction letter strengthens the application significantly.
Requirement 2
You'll typically need: (1) The education-loan sanction letter on bank/NBFC letterhead stating the sanctioned amount and confirming funds are available for the tuition and living costs. (2) Bank statements of the co-applicant for the last 3–6 months. (3) The co-applicant's ITRs for the last 2 years. (4) An affidavit of support from the parent/guardian. Many students enter on a 9(a) tourist visa first and convert to 9(f) student status after enrolment. In both cases, the loan sanction letter is the cleanest evidence of funding.
Requirement 3
Because Philippine medical universities disburse fees year-by-year (not all upfront), banks often release the loan in annual tranches tied to each year's fee invoice. Request a one-page 'visa support letter' summarising the sanctioned amount in plain English. It is the single most useful document for the immigration and university enrolment process.
Indicative EMIs for a Philippines education loan, 10-year repayment after the moratorium period.
₹20 L · 10% · 10 yrs
~₹26,400
Monthly EMI
₹25 L · 10.5% · 10 yrs
~₹33,700
Monthly EMI
₹30 L · 11% · 10 yrs
~₹41,300
Monthly EMI
₹35 L · 11.5% · 12 yrs
~₹44,900
Monthly EMI
₹25 L · 9% · 15 yrs
~₹25,400
Monthly EMI
₹40 L · 12% · 12 yrs
~₹52,500
Monthly EMI
After Graduation
What awaits Cebu Doctors' University graduates post-study
Available
Post-study work
Yes
PR pathway
Strong
Salary growth
~15,000
Indian students to Philippines a year
Highlights
The Philippines is primarily a study destination rather than a long-term work destination for Indian medical graduates.
The Philippines has a strong reputation here: its English-medium, US-modelled curriculum and clinical exposure historically produce competitive FMGE pass rates relative to several other low-cost MBBS destinations.
For loan repayment, the typical plan is to clear FMGE/NExT within 6–12 months of graduating, begin earning in India (junior resident / PG stipend ₹60K–₹1 L/month, rising sharply after PG), and repay over 7–10 years.
The Philippines is primarily a study destination rather than a long-term work destination for Indian medical graduates. The standard path is to return to India and practise after clearing the licensing exam. After completing the BS+MD pathway, you must pass the FMGE (Foreign Medical Graduate Examination), which is being replaced by the NExT (National Exit Test) under the National Medical Commission. Clearing FMGE/NExT grants you provisional and then permanent registration with a State Medical Council, after which you can practise in India and pursue PG (NEET-PG / NExT Step 2).
The Philippines has a strong reputation here: its English-medium, US-modelled curriculum and clinical exposure historically produce competitive FMGE pass rates relative to several other low-cost MBBS destinations. Students who want to practise in the US can leverage the BS+MD structure to sit for the USMLE, as the curriculum aligns closely with the American system. Making the Philippines one of the few budget MBBS routes that keeps the USMLE door realistically open.
For loan repayment, the typical plan is to clear FMGE/NExT within 6–12 months of graduating, begin earning in India (junior resident / PG stipend ₹60K–₹1 L/month, rising sharply after PG), and repay over 7–10 years. Step-up EMI structures suit medical graduates well because income climbs steeply after specialisation.
Compare loan options for similar institutions.
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Common questions Indian students ask about funding their studies at Cebu Doctors' University
