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Micro-student loans for students in 3rd world countries. Outside of the United States and a handful of other countries, student loans just don't exist. No matter how well you did in school, no matter how good your grades were, no matter how hard you worked, if you don't have the cash up front or a rich uncle to co-sign for you, you just can't go to college. In many cases, Vittana loans are the first and only source of college loans for students in countries where we operate.