Best way to get an Education Loan

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Students often ask which is the best way to get an education loan since they face challenges securing education loans, even with familial ties to bank staff. Private banks and NBFCs may not always provide a smoother experience, as online reviews reveal.
This video offers insights on the easiest way to get an education loan which is via WeMakeScholars. To know how watch the full video.
The following are the timestamps from this episode 👇
00:00 - Teaser
00:41 - Introduction
01:30 - Reason 1 - Lower interest rates
03:00 - Reason 2 - Discount on processing fee
04:05 - Reason 3 - 3x faster processing
05:08 - Reason 4 - Interest rate protection scheme
06:40 - Reason 5 - Post- sanction support
07:31 - Conclusion
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Request a callback by clicking the link below-
👉www.wemakescholars.com/educat...
Or call us at -988 988 20 90
Our team of financial officers assists you with your entire education loan process until sanction, disbursement, and beyond. All the services offered by WeMakeScholars are free of cost as this initiative is supported by the IT Ministry, Govt. of India.
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Here is a list of our must-watch from the Loanflix series
🔶Loan Interest Rate Protection Scheme for Floating Rates
• Loan Interest Rate Pro...
🔶Foreign Education Loan Without Collateral
• From Zero to Hero: You...
🔶Everything you need to know about abroad education loans for 2024
• Don't miss this: Every...
🔶How to apply for an Education Loan for Abroad
• Education Loan Process...
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LinkedIn Reviews: / wemakescholars
Google Reviews: www.google.co.in/search?q=wem...,
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Since the first episode in 2018, the LoanFlix series has now become the most comprehensive web series on RU-vid on the abroad education loan process. LoanFlix season 2 brings you deeper insights into the topics related to the Abroad Education Loans space.
We've also covered practically every aspect of an abroad education loan in our LoanFlix series, which you can find below. So do watch the entire series if you want to know everything about education loans for abroad studies.
🔶LoanFlix Season 1
• Loanflix: The most com...
🔶LoanFlix Season 2
• Loanflix Season 2
🔶Country-wise Education Loan Guides
• Country-wise Education...
🔶Testimonials- WeMakeScholars
• Testimonials- WeMakeSc...
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About the Presenter - Damini Mahajan is a visionary entrepreneur and co-founder of WeMakeScholars.com, an education finance start-up for international education. Damini has been mentioned as a "Top Women in Tech" by The Asian Entrepreneur. She has also been awarded as the winner of the Silicon Valley Challenge by Action for India 2016 and was in the Top 75 start-ups in Power of ideas by Economic Times at IIM Ahmedabad.
👉Script editor- Arjun R Krishna
👉Shot, Edited & Directed by Ravi Singh
👉Designs - Ravi Singh
Stay connected and follow us on:
🌈 Instagram - / wemakescholars
👦 Facebook - / wemakescholars
🐦 Twitter - / wemakescholars
👨‍🎓 Linked in- / wemakescholars-com
🎈Contact us at hello@wemakescholars.com
Please subscribe to our channel for more informative videos. Also, do like👍 and share’📢 with your friends. Good luck!✌
Click here to subscribe - 🔔 / @wemakescholars

Опубликовано:

11 июл 2024

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Комментарии : 100

@Rishabh-Saxena 4 месяца назад

I love your explanations. Thanks to the whole team for helping so many students. 🙏

@TheAwkwardMotivator 2 дня назад

She is the Zem in WMS and hence WMS is doing incredibly well for students and in her business...Keep it Up.

@WeMakeScholars 13 часов назад

Hey, We're glad we could be of any help to people through our initiative. If you need one-on-one guidance with the education loan process, please connect to our loan team by requesting a callback on this link: bit.ly/48cTdcR. Once you fill out the form, they will get back to you to guide you further.

@ujef96011 2 месяца назад

Mam you said in many videos that wemakescholers can help getting education loan much quicker like in 2 to 3 days , but i have applied from wemakescholers but NBC's are not doing the process any faster.

@WeMakeScholars Месяц назад

Hey! Kindly note that it is 2-3 working days. And also did you submit all the documents which the lender asked?. Please share your registered email id or first 8 digits of your phone number.

@beginstoend. 3 месяца назад

Hi mam, i had applied in some US universities for my master's degree . What is write time to apply for an education loan and how i apply for it, please suggest me.

@WeMakeScholars 3 месяца назад

Hi there! You're all set to kickstart your loan process. Even without the offer letter from the University, you can begin your loan process right away. To connect with us, just request a callback here: bit.ly/48cTdcR. Our team will reach out to assess your eligibility and secure the best deal from our network of 14+ leading lenders in the market. Connect with us now to seek expert loan assistance. All the best:)

@ankitakalita7344 4 дня назад

Hi ma’am I got a loan sanctioned from incred from gyandhan now incred never mentioned me about the policies before paying the processing fees now I have paid the processing fee they are forcing me to take life insurance and health insurance policies now I already have those still they are like it’s mandatory to take it what to do in this case

@WeMakeScholars 3 дня назад

Hey ankita! please note that you can negotiate on these terms and can get these waived off, which can be done by the organization via which you got your loan sanctioned.

@ankitakalita7344 3 дня назад

They are not helping me they are telling me that we can’t help you out with the waive off can someone help me with this

@user-qs8oy5xl8x 4 месяца назад

Ma'am can i get education loan for mbbs in switzerland without collateral and co applicant? My financial background is not strong

@gourilakshmibai4160 4 месяца назад

Yeah I wanted to know the same but to study mbbs in China .

@WeMakeScholars 4 месяца назад

Hi, Certainly! Securing an education loan for countries like Switzerland can be complex due to various factors. However, it's crucial to thoroughly explore your options and seek expert guidance to navigate through the process. We recommend connecting with our Financial Officer who specializes in education loans for abroad studies by requesting a callback through this link: bit.ly/48cTdcR, Our dedicated team will assess your eligibility by considering factors such as your academic background, financial situation, and the program you've been accepted into. They'll then compare offerings from 14 leading banks in India to identify the best-suited loan options for you.

@WeMakeScholars 4 месяца назад

Hi lakshmi! Securing an education loan for China can be difficult. However, it is still recommended to check your eligibility with your Financial officer by tapping on the following link: bit.ly/48cTdcR, the team will promptly connect and check your eligibility with 14 leading lenders in the market and help you secure the best loan if your profile is good. Request a callback and connect with them right away!

@user-te4yv2et2x 4 месяца назад

Hey i will be pursuing flight training in april. which is air india cadet pilot program they also give me an Letter of intent as job securitty will i get education loan of 80 lakhs on agricultural land

@WeMakeScholars 4 месяца назад

Hello! While collateral for education loans is generally required to be a non agricultural land in municipal area, we recommend reaching out to our loan team for personalized assistance. Simply request a callback through this link: bit.ly/48cTdcR. Once you've completed the form, they will guide you in finding suitable banks for your needs!

@jibincletus9641 2 месяца назад

I have a cibil score issue which is very low in my case but my father had 790+ is it possible for me to get education loan?

@WeMakeScholars 2 месяца назад

Hey! banks check CIBIL scores of both Applicant and Parents. As we don’t know your exact CIBIL score we cannot assess. There are many criteria, banks look to evaluate your profile, CIBIL score is just one of them. To analyze your profile, we need some details of yours. You can contact us by requesting a callback at bit.ly/48cTdcR. Our loan team will get back to you shortly and help you with your issue.

@Tanmaypanchal19 4 месяца назад

Madam currently i am preparing for IELTS exam and i am planning to pursue my masters in usa so according to you when i will start my loan process??

@WeMakeScholars 4 месяца назад

Hi Ashok, We recommend reaching out to our Financial Officer promptly regarding your situation. It's advisable to initiate the loan process early to avoid any potential challenges in the future. You can conveniently request a callback using the following link: bit.ly/48cTdcR. Our team will assess your basic eligibility criteria with over 14 leading lenders in the market and provide guidance throughout the process. Please click on the link to start your loan application with us today. All the best!

@user-yu8kz6cz7r Месяц назад

Hi maam can i get a loan for engeenering degree

@WeMakeScholars Месяц назад

Hi, Absolutely! You can get an educational loan for your bachelors in engineering. As it is a UG program, banks will be reluctant to give loans if you approach directly. But it won’t be the same if you take loan through Wemakescholars as we directly talk to banks and help in your loan approval. We’ve partnered up with 15 + public and private banks and have good relation with them. We have helped many UG students in getting their loan. Based on your profile we assist you in securing the best education loan deal in the market. Kindly Request a callback at: bit.ly/48cTdcR. Our financial officer will get back to you shortly.

@aayushmannarwariya9646 4 месяца назад

Hey can i get unsecured education loan for study in Poland for top universities like Kosminski University or SGH

@WeMakeScholars 4 месяца назад

Hi, Securing an unsecured loan for a country like Poland can indeed be challenging. To navigate this process effectively, I recommend seeking expert guidance from our Financial Officer. Simply tap here: bit.ly/48cTdcR. Our team will promptly connect with you and explore the best possibilities based on your profile. We'll compare offerings from 14 leading lenders in the market to ensure you get the best deal as per your requirements and eligibility. Don't hesitate to reach out and benefit from our expert guidance. Best of luck!

@Bill-tb1mu 2 месяца назад

I have been accepted in French and German university under Erasmus masters program, also open profile on we make scholars but your financial officer is not contacting me. it's urgent please reply

@WeMakeScholars 2 месяца назад

Hello there, our team responds in 48 hours, we hope you recieved a call from our end. If you have not, please use this link to connect with us: bit.ly/48cTdcR or give us a call at 9393344424

@archanachavan2586 2 месяца назад

Mam I've called we make scholars but they are saying there are no chances to get loan for mbbs in Russia...

@WeMakeScholars Месяц назад

Hi, In the case of pursuing MBBS in Russia, typically, only collateralized loan options are available, and they often require a good income source of the co-applicant.

@srivari8032 4 месяца назад

Is there is your office in Coimbatore ?

@WeMakeScholars 4 месяца назад

Hi, We are a Hyderabad-based company with a nationwide presence, dedicated to advancing the Digital India Campaign. Our operations are primarily digital, allowing us to serve clients across India, reaching students from all corners of the country. To explore education loan options tailored to your profile, I encourage you to connect with our loan team. Simply request a callback through the following link: bit.ly/48cTdcR. Once you fill out the form, our team will promptly evaluate your profile and assess your eligibility with over 14 public and private lenders. This ensures you receive the best-suited education loan for your needs. Best of luck!

@mirkhaiser4251 10 дней назад

Dear madam can i stil go for Union Bank of India for education loan persuing MS in Australia Please help 🙏

@WeMakeScholars 4 дня назад

Hey! We would suggest before proceeding further please see the video that highlights the union bank issues. Here's the link : ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-jy2rfT8F0jE.html . If you need assistance in getting education loan our team will help you check your eligibility with 15+ public and private banks and help you get best education loan which suits your profile. please use this link to request a callback: bit.ly/48cTdcR

@ishikaprasad8264 Месяц назад

Hi I tried reaching for a couple of days ma'am. Actually I got an offer letter from UK uni and I had to pay admission amt. Need assistance with an education loan from your end. Plz respond as soon as possible

@WeMakeScholars Месяц назад

Hi Ishika, We ensure that we reach out to every single student without fail. Due to large volume of applications, it is taking longer than expected. For any follow-up, Kindly contact us by phone: 9393344424 or mail us at : hello@wemakescholars.com

@johnbosco.n9280 Месяц назад

I am a physiotherapist want do my masters in uk can i get educational loan without collateral and co applicant

@WeMakeScholars 29 дней назад

Hi John, Only few banks offer their loan without collateral and co-applicant. Speak with our team as they can suggest you the best bank which is suitable for your profile. We will definitely try to help you secure an education loan for your masters in UK. Request a callback at bit.ly/48cTdcR. Our team will respond to you shortly.

@shubhamavirsingh3156 3 месяца назад

Can we apply education loan for abroad including living expenses as well..

@WeMakeScholars 3 месяца назад

Hi Shubham! Certainly, an education loan is the sum up of your living expenses, tuition fees and miscellaneous expenses. Additionally, if you are seeking expert guidance on it then it is recommended to connect with the Financial Officer by tapping on the following link: bit.ly/48cTdcR. The team will promptly reach out to you and can help you secure the best deal suiting your profile while comparing it with 14 leading lenders in India. All the best:)

@shubhamavirsingh3156 3 месяца назад

@@WeMakeScholarsMam your team contact me on sunday and they said his financial team will contact me on Monday and I was waiting for the whole day but i did not receive any call..

@WeMakeScholars 3 месяца назад

Kindly send your contact number and email id on hello@wemakescholars.com. We will promptly look into it.

@farishakanniyan3512 Месяц назад

Hi ma'am, can I get education loan for MDS in India,,,I will get the seat in merit... Bt fee is very high 8.5lakh/year...can I get loan without collateral?. Pls reply

@WeMakeScholars Месяц назад

Hi Farisha, it is not possible to get an unsecured loan for MDS course. Only collateralized loan is available. We’ve partnered up with 15+ public and private banks. We increase your odds of getting secured loan. Request a callback at bit.ly/48cTdcR. Our loan team will get back to you soon and help you in securing the best education loan deal in the market.

@farishakanniyan3512 Месяц назад

@@WeMakeScholars... How much will be the interest rate?

@WeMakeScholars Месяц назад

The interest rate varies from bank-bank. Based on your profile, our team can suggest you the best education loan deal. I hope you've understood.

@ShubhamSingh4050 2 месяца назад

Can i get loan for mbbs in india . Dont have much property my mom is government teacher

@WeMakeScholars 2 месяца назад

Hello Shubham, Getting an MBBS loan in itself is a little difficult due to the long course duration, no promise of return of interest for the bank and other reasons. In your case, you have a good financial co-applicant but, you need to have creditworthy collateral to try for an MBBS loan. So, let us first analyse your profile and see if we can secure a loan for you. We will do it for free, follow this link to connect with our financial officers and see if you can get a loan: bit.ly/48cTdcR

@NIRVIKRAGHVANI 4 месяца назад

How can i contact with your team

@WeMakeScholars 4 месяца назад

Hi there! You have a couple of options to connect with us. You can request a callback by clicking on the following link: bit.ly/48cTdcR. Alternatively, you can reach out to our customer support team at hello@wemakecsholars.com. Rest assured, our team will promptly get in touch and assist you accordingly.

@kklivebodoradab2731 Месяц назад

Madam can I apply self study, no salary no civil score no mortgage???

@WeMakeScholars Месяц назад

Hey! Unfortunately it is not possible to get an education loan for self-study.

@mohitnandanyadav2966 4 месяца назад

I have done my class 12th with open with 80 %. Can I take unsecured education loan?😔 For abroad

@WeMakeScholars 4 месяца назад

Hi, For unsecured loans for bachelor's programs, a strong co-applicant with a higher income range is possible. To determine the required income level for your co-applicant and understand the applicable interest types and rates. We recommend reaching out to our Financial Officer. They will check your profile and eligibility with our network of 14 leading lenders in India. Simply fill out the forms here: bit.ly/48cTdcR and our team will contact you to discuss the best offers as per your profile. All the best:)

@user-qv5pd4xp5p 4 месяца назад

Where is your office in Mumbai?

@WeMakeScholars 4 месяца назад

Hi, We are a Hyderabad-based company with a nationwide presence, serving clients across India. Committed to advancing the Digital India Campaign, our operations are primarily digital, enabling us to reach students from all corners of the country. To explore education loan options tailored to your profile, I encourage you to connect with our loan team. Simply request a callback through the following link: bit.ly/48cTdcR. Once you fill out the form, our team will promptly evaluate your profile and assess your eligibility with over 14 public and private lenders. This ensures you receive the best-suited education loan for your needs.

@user-sv1fq9ix3d 3 месяца назад

Best service my all things done now i am going to lodge file shreyan help me lot

@WeMakeScholars 3 месяца назад

Hi, we are glad that we could be helpful. And we promise to stay until your loan repayment!

@kumardnps Месяц назад

Can Indian bank give education loan for ujbekistan 2023?(Taskent Academy )

@WeMakeScholars Месяц назад

Hello, it is quite challenging to get an education loan for medical studies in Uzbekistan. Banks only provide collateralized loan subject to good income of the co-applicant. If you’re meeting the mentioned criteria, we can certainly try to help you get the loan. Request a callback at bit.ly/48cTdcR our team will get back to you soon.

@funwithlavi16 2 месяца назад

Hii mam i want to take loan of 30 lakh with collateral for my cpl training from sbi. Is it possible ? I will be training in india only

@WeMakeScholars 2 месяца назад

Hi @funwithlavi16, Yes! it is Possible, but it is important to note that students who approach banks directly may have to face many issues like: Longer Processing time, Post Sanction Issues i.e. Disbursement issues: Delayed Disbursements etc... Thus, it is important to take education loan via Wemakescholars as we tackle the above issues with bank officials directly. We do not charge any service charges as we are funded and supported by Ministry of IT and come under the Digital India Campaign. We have partnered up with 14+ Public and Private Banks. You can contact us at Please use this link to contact us: bit.ly/48cTdcR our team will get back to you shortly and help you get the best deal, matching your profile.

@sukhpreet_13sandhu 2 месяца назад

Can I get loan for bachelors

@WeMakeScholars 2 месяца назад

Hello Sukhpreet, getting a loan for bachelors is possible but only with a good profile of the student and the financial co-applicant. It also depends on the course and country that you are choosing to go. We would suggest you to speak to our loan team and know more and get a loan for bachelors. Use this link to connect with us: bit.ly/48cTdcR

@NavedKhan-sd1qn Месяц назад

Mam I want to get education loan and I am handicapped please mam help to tell me how can I get education easily because I have to persue MBA from Abroad

@WeMakeScholars Месяц назад

Hi Naved, Do not worry we can definitely try to help you secure an education loan for your overseas MBA studies. We increase your chances of getting the loan as we are empanelled with 15+ public and private banks. We can connect you to multiple banks at one go, saving your time and effort. Speak with our financial officer to know your best education loan deal. Simply request a callback at bit.ly/48cTdcR. A dedicated financial officer will get back to you shortly.

@shagunthakur4086 4 месяца назад

I have tried so many time to reach you but nobody respond in meantime.

@WeMakeScholars 4 месяца назад

We received your application for the very first time on 22nd Feb at 9:25am and on the same day 22nd Feb at 7:30 pm Sanjana Tayal spoke to you. What do you mean by nobody respond?

@iramsaifi1863 3 месяца назад

He's right Your financial officers are just like that I have also applied for an education loan through through your team But your financial officer Nikhil thakur has never attended my call on time He never helped me in anything, not a single satisfactory guidance was given to me by him. All the time I have just calling him a dozen times , and he gave no response at all. Worst service

@Ishikaverma000 27 дней назад

Hey mam can i get loan for my blocked account in germany.. and i will go with my spouse

@WeMakeScholars 24 дня назад

Hi Ishika, we can certainly help you get an education loan for your blocked account. We are empanelled with 15+ public and private banks. We can connect you to multiple banks at one go, saving your time and effort. And all our services are completely free of cost. Feel free to speak with our financial officer to know the best bank which is suitable for your profile. Simply request a callback at bit.ly/48cTdcR. One of our financial officers will get back to you soon.

@SahilSharma-sf8ds 3 месяца назад

Hello ma'am I want to take education loan (non collateral) for 40 lacs. My father is retired from army getting pension of 45k and he is above 60 years. Can I get loan?

@WeMakeScholars 3 месяца назад

Hi Sahil! Public banks are a bit relaxed about your co-applicant being a pensioner, however, getting an education loan from private banks with a pensioner co-applicant can be difficult. We suggest you talk to our Financial Officer about it, so they can check your eligibility with 14+ public and private lenders and help you choose the best lender suiting your profile. Please connect to our loan team by requesting a callback on this link: bit.ly/48cTdcR. Once you fill out the form, they will get back to you to guide you further. All the best:)

@pvt_palak 4 месяца назад

I want to talk with team

@WeMakeScholars 4 месяца назад

Hi there! You can connect with our team by requesting a call back on the following link: bit.ly/48cTdcR or you can reach out to our customer support at hello@ wemakecsholars.com. The team will promptly get in touch and assist you accordingly.

@Thugbeast249 2 месяца назад

Can indian bank give education loan for Kazakhstan in 2024

@WeMakeScholars 2 месяца назад

Hi ThugBeast, Indian banks can give loans to study in Kazhakstan but it is definitely not very easy. It depends on the course, student and financial co-applicant profile. A collateral must be pledged as well. For more details for this type of loan, speak to our financial officer by using this link: bit.ly/48cTdcR

@Thugbeast249 2 месяца назад

@@WeMakeScholars I contact to your one of financial officer but he is not replying

@WeMakeScholars 27 дней назад

Hey! We assure you that we call each and every student. Due to High Volume of applications, it is taking longer than expected to respond back. We will definitely call you. Your patience is highly appreciated. For any follow-up, you can contact us by phone at 9393344424 or email at hello@wemakescholars.com

@scoa53avishkarjadhav65 Месяц назад

We make scholar is a very good platform for doing your education loan process very smoothly & it is totally online process which makes it more robust. They provide very good support & frequent communication with the customer. This helps me to get my desirable loan amount with affordable interest rates. Saloni Mam provides constant support as well as making it easy to me to make the perfect choice of loan product. Overall it is nice experience for me to take loan with the reference of we make scholar team.

@jayshreekonde6225 26 дней назад

Mam I want to study in Australia so that my fee is 50L for 3 years can I get an unsecured loan ? i am going for an undergraduate degree from University of Southern Queensland and my parents income 30k and assets If you could help me , i will process my loan through you only

@WeMakeScholars 24 дня назад

Hi Jayshree, it is quite challenging to get an unsecured loan for your overseas bachelors studies. Banks require a financially strong co-applicant. As your co-applicant’s income is not at par with the bank's requirement, you should include another financial co-applicant. Then only we can try to help you in getting the unsecured loan. To know your eligible financial co-applicant, request a callback at bit.ly/48cTdcR. Our team will respond to you shortly.

@jayshreekonde6225 23 дня назад

@@WeMakeScholars My dad income is 30k month but he has assets worth 50L ( house , stock mutual fund etc )

@WeMakeScholars 22 дня назад

Hey! If you’re willing to pledge collateral then we can help you get a secured loan. But please note that banks don’t accept mutual funds as collateral. Speak with our team as they can tell you all the assets which can be included as collateral. Request a callback at bit.ly/48cTdcR. Our team will get back to you shortly.

@vishalirajput3333 4 месяца назад

Mam mai canada mein master degree krna chahti hu .. kya aap education loan lene me meri help kr skte ho..

@WeMakeScholars 4 месяца назад

Hi, Absolutely! We're committed to providing you with top-notch loan assistance. If you're looking for support from our team throughout the loan process, please don't hesitate to reach out by requesting a callback through this link: bit.ly/48cTdcR. Our dedicated team will evaluate your profile and assess your eligibility with over 14 public and private lenders. This ensures you get an education loan that best suits your profile and meets your needs. Connect with them right away. All the best!

@sajukunjumon6568 15 дней назад

Mamm I can't contact them . Is there any number to contact them

@WeMakeScholars 4 дня назад

Our team will help you determine your eligibility in 15+ public and private banks and help get best education loan which suits your profile. To get assistance request call back on the link: bit.ly/48cTdcR . You can write to hello@wemakescholars.com for any queries.

@AiswaryaVarghese-gp8pg Месяц назад

Mam i want 25 lakh education loan with out collateral to pursue ma higher studies in Ireland

@WeMakeScholars Месяц назад

Hello Aiswarya, You can get an unsecured loan of 25 lakhs for your higher studies, subject to good income of your co-applicant. Your chances of getting the loan through us are quite high, as we are the partners of 14+ public and private banks. To do so, we need to check your eligibility & analyze your profile. Kindly request a callback at bit.ly/48cTdcR. One of our financial officers will get in touch with you and assist you in securing the best education loan deal in the market.

@preetilohat168 2 месяца назад

Ma'am can i get education loan for CA (chartered accountant ) in india

@WeMakeScholars 2 месяца назад

Hey Preeti! Yes, you can get an education loan for pursuing your CA in India or Abroad. We also provide Collateral and Non-Collateral loans for CA coaching classes in India and Abroad. Kindly go through this article for more information: www.wemakescholars.com/education-loan/ca. If you have any further queries you can connect with our Financial officer at: bit.ly/48cTdcR. Thank you.

@milapvaghela9857 21 день назад

@WeMakeScholars It's very annoying that I am not getting any response from the team even after multiple follow ups. The only purpose of the video is to attract more views. @WeMakeScholars kindly clarify. Thanks!

@WeMakeScholars 20 дней назад

Hi Milap, your financial officer Vedang spoke to you on 6th June and on 10th June. As you are going for CPL, you were asked to look for collateral and come back. After that, we never heard from you. So, may I know what you meant by not getting response from the team?