For VISA application, whether having a loan is preferable even if I am able to manage with own savin

For VISA application, whether having a loan is preferable even if I am able to manage with own savings and family support? I mean whether the VO will look for student loan as a reason for coming back to India after studying or is it the other way around?

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For VISA application, whether having a loan is preferable even if I am able to manage with own savin

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