Can i pay the full course fees in advance, as i am not able to get loan from the nationalized banks for the Graduate Certificate Program. A private bank which is not in the spp list is giving me loan but it is not acceptable by the CHC. So using HDFC Credila, can i pay the full course( 2 semester fees) in advance and then apply for visa. I have approached about 10 banks and they refused to give loan as it is just a 8 months course.