Welcome to Lincoln Bank . What can we do for you today ?   Hello . I called earlier in the week and spoke to someone in the personal loans department about an overseas study loan . She said to come in as soon as I had the chance , as this must be done in person . I'd like to apply today .   OK , that's absolutely fine . I will need to see some credentials before we can get started . Do you have the notification of admission letter from your university , your passport and your visa with you ? 