@aiayosef, nakausap ko yung person in-charge sa loan legit naman yun kaso hindi mo yun pwedeng galawin for paper use lang yun, once approve na yung sudent visa mo wala na yun, just to show that you made a loan on a reputable bank sa Bank of commerce idedeposit yung pera under your name kaso ang mahal ng interest nya but if you are interested I can give you the contact details of the person.