Having a loan will not affect the visa issue. Generally speaking, you only need to prove that you can afford to study and live abroad. The visa office of the embassy has no right to investigate your credit history unless you provide credit information voluntarily.

You only need to have a certificate of deposit and proof of property (real estate, car, etc.) ), proof of parents' income and other materials to prove your source of funds. As long as these materials meet the requirements, you can apply for a visa, which has little to do with whether you have a loan.

The state stipulates that the following persons cannot apply for passports:

1, identified as a criminal suspect or defendant in a criminal case by a public security organ or a people's procuratorate or a people's court;

2. The people's court informs the applicant that there are unresolved civil cases that cannot leave the country;

3, was sentenced to punishment is serving a sentence or reeducation through labor;

4. The relevant authorities in the State Council believe that the applicant will endanger national security or cause great losses to national interests after leaving the country.