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 ?   Yes , yes . It's all here . There you go . I'm not sure if I need any other proof or guarantee to get this loan , do I ?   You do , I'm afraid . There are 3 ways to do this . You can choose , mortgage , pledge or guarantee mode .   Yes , I read about all of these in the brochure and decided which would be more suitable for me . I'd like to go for the guarantee mode , please .   Right , that's no problem . I see you are already well informed . If you choose that one , you can borrow up to 70 % of the total tuition and miscellaneous fees . 