Yes , they definitely are if you are sure about your future path and plan accordingly. I was supported throughout my journey to acquire educational loan for my med school by #Wemakescholars , they are a government funded institution and you pay zero money for consultation.I was personally guided by Mr Ayannsh Singh. And let me assure you , I am someone who has just started my adult life and haven't had any idea related documentation and all this financial services. What I knew was that I needed someone to guide me through this process and I got it. I'm currently in my med school and not stressed about my fees being delayed or posing burden on my parents coz I was able to acquire my loan through the help of “We Make scholars”. Ofcourse having the loan doesn't solve the problem and there is a risk to recovering the amount you invested and fear of paying back such huge amount of money back, but this also motivates me to work and study harder, to pay back my loan , become a good doctor and make my parents proud about my choices.