Education loans are a great way to fund your overseas education. Financial instiuions broadly classify Education loans 2 categories 1. Education loan against collateral & 2. Edcutaion laon without a collaeral. 

Overseas education loan without collateral is a type of education loan that is specially designed for those who want to pursue higher studies but are not able to provide collateral. 

The eligibility criteria for this type of overseas education loan without collateral is CIBIL score and the university ranking of the country. But, if you have a bad CIBIL score, it is difficult to get an education loan without collateral.

The CIBIL score is one of the most important factors in determining eligibility for an overseas education loan without collateral. 

The CIBIL score is calculated on the basis of your credit history and it ranges from 0 to 1000. The higher the CIBIL score, the better chances are for getting approved for an overseas education loan without collateral. A good CIBIL score will help you get a better interest rate on your loan.

University Ranking is another factor that determines eligibility for an overseas education loan without collateral. A university with a high ranking will have more chances to get approved than one with a low ranking.

There are many universities ranked by different agencies, but there are some that are considered to be more prestigious than others. For example, Harvard University has been ranked as one of the best universities in the world by QS World University Rankings 2018-2019.

Country also plays an important role in determining eligibility for an overseas education loan without collateral as some countries have stricter rules than others and hence it becomes difficult to get approved if you are from those countries. 

The eligibility criteria for overseas education loan without collateral are:

- Applicant should be an Indian citizen.

- Applicant should be above 18 years of age.

- Applicant should not have any other education loan with any other bank or financial institution.

- CIBIL score of the applicant should not be below 600.

- Applicant must have a co-applicant who can share the responsibility of repayment of the loan in case the borrower defaults on payment on account of death, disability or unemployment.

If you are looking to pay off your student loans early, there are a few things you can do to help achieve that goal:

1. Make extra payments: By making extra payments on your student loans, you can pay them off faster and reduce the overall amount of interest you pay.

2. Refinance your student loans: If you have good credit and a stable income, you may be able to refinance your student loans at a lower interest rate. This can help you save money on interest and pay off your loans faster.

3. Consider consolidating your loans: Consolidating your student loans can simplify the repayment process and potentially lower your monthly payments. However, it may also result in a longer repayment period, so be sure to consider all of the pros and cons before deciding to consolidate.

4. Explore income-driven repayment plans: If you are struggling to make your monthly student loan payments, you may be able to enroll in an income-driven repayment plan. These plans base your monthly payment on your income and can help make your student loan payments more manageable.

5. Make a budget: Creating a budget can help you prioritize your debt payments and allocate more money towards paying off your student loans. By carefully managing your finances and cutting back on unnecessary expenses, you can free up more money to put towards paying off your student loans.

It's important to keep in mind that paying off your student loans early may not always be the best financial decision. For example, if you have other debts with higher interest rates, it may make more sense to focus on paying those off first. It's always a good idea to consider your overall financial situation before making any decisions about how to pay off your student loans.