Your Passage to Prominence,
Made Possible.

We provide flexible, fair, and supportive funding for your international education.
See how you can fund up to 100% of your tuition and living expenses.

A Loan Designed for Your Success

We’ve structured our funding to remove barriers, not create them. This introductory section explains how our core features are designed to give you peace of mind, flexibility, and a transparent partnership throughout your educational journey.

Focus on Your Studies

Alleviate financial anxiety during your program. We cover your major costs and keep payments minimal so you can dedicate yourself to what matters most: your education.

Up to 100% Tuition & Living Expenses

A Plan That Works With You

Your post-graduation journey should be exciting, not stressful. Our repayment plan is predictable, flexible, and free of penalties for getting ahead.

Fixed Interest Rate for Predictability

No Penalty for Early Repayment

Your Partner, No Surprises

We build trust through transparency. Our model is free of hidden fees and includes safety nets because we are invested in your long-term success as a partner.

No Origination or Hidden Fees

24-Month Forbearance Safety Net

Financial Simulation Calculator

Plan your journey to success. All figures in HKD.

1. Your Goals

Study Destination

Annual Tuition (HKD)

Monthly Living Expenses (HKD)

Study Period or Years from Graduation (Years)

1 Years

Expected Monthly Salary After Graduation (HKD)

HK$35,000

2. Your Resources

Household Savings Available for Education

Monthly Family Income Available to Pay for Education

Dad's Monthly Salary

Mum's Monthly Salary

Part-time Hours per Week (max 20)

0 Hours

4. The Refinancing Advantage

After you graduate, you become a prime client for banks. By refinancing a portion of your SocioBridge loan with a lower-interest bank loan, you can save significantly on interest payments. Customize your refinancing strategy below.

Bank Loan Amount (Multiple of Expected Salary)

12x

Bank Loan Tenure (Years)

5 Years

Start Refinancing (Years After Graduation)

Immediately

Bank Interest Rate (%)

4.0%

Your Refinancing Plan

Bank Loan Amount

HK$0

Bank Rate & Tenure

0% / 0 yrs

Refinancing Starts

Year 0

SocioBridge Balance

HK$0

Monthly Payment Comparison

Legend

Without Refi

SocioBridge

Bank Loan

Total Interest Paid

Without Refinancing

HK$0

With Refinancing

HK$0

You Save

HK$0

(0%)

Your Journey with Us

The application process can feel complex, so we’ve broken it down into a few simple, transparent steps. This visual guide shows you exactly what to expect.

SIMULATE

1. Estimate education cost
2. Gauge household available funds
3. Calculate optimal loan size

APPLY

1. Fill in the application form
2. Complete a personality test
3. Upload documents

FLIGHT

1. Accept loan offer
2. Schedule contract signing
3. Sign the contract and get the funds

Real Stories, Real Impact

Numbers and features only tell part of the story. Here, you’ll find real-world examples of how our partnership has helped students achieve their academic dreams.

“SocioBridge didn’t just give me a loan; they gave me back my academic future.”

Challenge: A sudden financial collapse threatened to derail his law degree, forcing him to take a gap year to work full-time to repay debt.

Solution: A tailored SocioBridge loan cleared his debts and funded his academic exchanges at the London School of Economics (LSE), allowing him to continue his law degree.

Answering Your Questions

We believe in transparency. Here are answers to the most common questions we receive.

Can I apply for the student loan if I am under 18?

Unfortunately, you must be at least 18 years old to apply for a student loan. If you’re under 18, you may be eligible to apply in your second year of study when you reach 18.

In certain cases, parents or guardians can apply for a loan to cover the first year’s tuition fees only (excluding living expenses). The maximum loan amount will be limited to the first year’s tuition, and funds will be transferred directly to the overseas university to ensure they are used for educational purposes. For more details, please contact our support team.

Can I only apply to universities?

If you are 18 or older, you can apply for loans to attend both universities and foundation programs. This age requirement is based on regulatory guidelines.

Who is eligible to apply for the SocioBridge Overseas Studies Loan?

Applicants must be at least 18 years old. You are eligible to apply for SocioBridge Overseas Studies Loan if you meet one of the following criteria:

You are a Hong Kong resident pursuing an Exchange Program, Bachelor’s Degree, Master’s Degree, or MBA/EMBA in the United Kingdom, United States, Canada, Australia or Hong Kong.

You are a Mainland Chinese student pursuing a Bachelor’s Degree or Master’s Degree in Hong Kong.

You are a Mainland Chinese Bachelor’s Degree student studying in Hong Kong and seeking to pursue an Exchange Program, Master’s Degree, or MBA/EMBA in the United Kingdom, United States, Canada, or Australia.

What is the interest rate for the Overseas Studies Loan?

To be fully transparent, we present two different rates. It is important to know that your monthly repayment amount and loan tenure remain exactly the same regardless of which rate is used; only the calculation method differs.

– 14.98% p.a. (Comparison Rate): This rate is calculated using the standard “Code of Banking Practice” formula used by banks. Use this rate to make an “apple-to-apple” comparison with personal loans or credit cards from traditional banks.

– 18.54% p.a. (Contract Rate): This is the rate you will see written on your legal loan contract. As a licensed money lender, we are required by the Money Lenders Ordinance to use a specific formula that results in a higher nominal percentage, even though the actual cost to you is unchanged.

How do we compare to the market? While our rate is higher than subsidized bank loans (as we do not hold customer deposits), it is significantly lower than the 20%–48% generally charged by other licensed money lenders.

We encourage students to maximize scholarships and bank loans first. However, if you lack income proof for a bank loan or have a funding gap, we are here to bridge that need.

What is the repayment plan for SocioBridge Overseas Studies Loan?

The repayment plan for the SocioBridge Overseas Studies Loan is a fixed 10-year amortization period. Repayment of both the principal and interest begins from the first payment due date, structured monthly to provide a clear and manageable path to fully repaying your loan.

How can I lower the principal and interest repayments, or shorten the repayment period when I am employed after graduation?

Once you have graduated and secured employment, and have a few months of stable income, we recommend you apply for a low-interest bank loan to refinance our loan with a lower-interest bank loan. This can reduce your total interest costs and potentially shorten the repayment period. There is no additional charge for early repayment.

How to calculate the loan vs repayment amount?

You can use the “Financial Simulation Calculator” on our official website to calculate the loan VS repayment amount.

How do I repay the loan while studying?

The 10-year repayment schedule begins immediately upon loan disbursement, meaning monthly payments of both principal and interest are required while you are studying. Students typically meet this obligation through funds earned from part-time work, contributions from parents or guardians, or other financial resources.

How much can I borrow for the SocioBridge Overseas Studies Loan?

The maximum loan amount depends on your individual circumstances and our loan approval system.

At SocioBridge, we assist you in determining the optimal loan amount for your needs, as choosing an affordable amount for tuition and living costs is more important than borrowing the maximum. We recommend using our online financial simulation calculator before applying to estimate what’s affordable for you.

How do I apply for the SocioBridge Overseas Studies Loan?

You can apply for the SocioBridge Overseas Studies Loan online in five simple steps:

STEP 1: SIMULATE
Simulate the optimal loan size based on your education cost and existing financial resources

STEP 2: APPLY
-Fill in the application form.
-Complete a personality test.
-Upload documents.

STEP 3: FLIGHT
-Accept loan offer
-Schedule contract signing
-Sign the contract and get the funds

Will you check my personal credit record when I apply for a loan?

Yes, we typically review the applicant’s credit report as part of the loan application assessment. This helps us evaluate your eligibility.

Will my loan application be disclosed to my family or friends?

No, your loan application and personal information will remain strictly confidential in accordance with the Personal Data (Privacy) Ordinance. We do not share your details with anyone, including family or friends, without your consent.

Is a personal guarantor required for the loan application?

Yes, a personal guarantor is mandatory for all SocioBridge Overseas Studies Loan applications, regardless of the loan amount. A qualified personal guarantor must be included in your application to be eligible for financing.

What documents are required for the loan application?

After submitting your online application form, you will receive an email with a secure link to upload the required documents. These typically include proof of identity ( Hong Kong ID and passport), proof of university offer letter and academic records, proof of household income and savings, etc. Additional documents may be required depending on your loan amount or circumstances.

How long does it take to get approval?

Once you upload all required documents as part of your application, we will process your loan approval within 5 working days. You will receive the approval decision via email.

How can I withdraw the loan?

Once you sign the loan contract at our office, we will transfer the approved loan amount to your designated bank account. If the loan covers both tuition fees and living costs, the first year’s tuition fee will be paid directly to the university’s bank account as specified in your university acceptance letter. The remaining amount for living costs will be transferred to your designated bank account.

What kind of payment methods are available for repayments?

You can repay through bank direct debit or bank transfer.

What should I be aware of for monthly repayment dates if I’m repaying the loan by direct debit or bank transfer while outside Hong Kong in a different time zone?

When repaying your loan, please note that all repayment dates are based on Hong Kong Time (HKT). For direct debit, ensure sufficient funds are available in your bank account at least one working day before the monthly repayment date to avoid delays or missed payments. For bank transfers, initiate the payment early to account for time zone differences and processing times, ensuring it reaches us by the HKT repayment date.

How is interest calculated if a monthly repayment is overdue?

If a monthly repayment is overdue, interest will continue to be accrued on the outstanding principal and interest balance at the existing loan interest rate on a daily basis.

Can I make an extra amount repayment during the monthly repayment period?

Yes, our flexible repayment plan allows you to make extra repayments without early repayment penalties by providing 14 days’ notice via email. Early repayment should be made on the usual monthly payment date. Any additional payments will be applied directly to the principal, reducing the outstanding balance. Your subsequent monthly repayments will be recalculated based on the new principal, lowering your monthly payment amount.

Can I pay off my loan early? Are there any extra charges?

You can pay off your loan early or refinance it by providing 14 days’ notice via email. There are no penalties or handling charges for either option.

What should I do if my study plan, work information, or residence changes?

If your study plan, work information, or residence changes, please notify us within 7 days via our website’s contact form, WhatsApp at +852 9541 8871, or email at admin@sociobridge.world. Prompt notification helps us update your loan terms or repayment plan as needed.

What can I do if I have further questions?

For any questions, please contact us via WhatsApp at +852 9541 8871. We are here to assist you.

Ready to Invest in Your Future?

We believe in your potential. Every loan we make is an investment in a brighter, more equitable world. Let’s build your bridge to success together.

Start Your Application

Your Passage to Prominence,
Made Possible.

A Loan Designed for Your Success

Focus on Your Studies

A Plan That Works With You

Your Partner, No Surprises

Financial Simulation Calculator

1. Your Goals

2. Your Resources

Let's Fine-Tune Your Plan!

3. Your Loan Plan

4. The Refinancing Advantage

Your Journey with Us

SIMULATE

APPLY

FLIGHT

Real Stories, Real Impact

“SocioBridge didn’t just give me a loan; they gave me back my academic future.”

Answering Your Questions

Ready to Invest in Your Future?

Your Passage to Prominence, Made Possible.

A Loan Designed for Your Success

Focus on Your Studies

A Plan That Works With You

Your Partner, No Surprises

1. Your Goals

2. Your Resources

Let's Fine-Tune Your Plan!

3. Your Loan Plan

4. The Refinancing Advantage

Your Journey with Us

SIMULATE

APPLY

FLIGHT

Real Stories, Real Impact

“SocioBridge didn’t just give me a loan; they gave me back my academic future.”

Answering Your Questions

Ready to Invest in Your Future?

Your Passage to Prominence,
Made Possible.