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For college understudies whose pay level qualifies them for the Income Contingent (Deun-Deun) Student Loan (ICL) and/or the Standard Student Loan (SL) and for graduate understudies (through the SL). For first or second year students, the same scholastic and salary level capabilities for the ICL apply; for third or fourth year students, the scholarly and pay level capabilities for the ICL and the SL apply.

Credit must be utilized for important non-educational cost, everyday costs amid the scholarly year that might incorporate food and lodging, books and supplies, and transportation costs. The understudy might decide the sum to get in additions of KRW 100,000—from KRW 500,000 to KRW 1 million for every semester (or up to KRW 2 million for each school year). May get advance all alone or in blend with an understudy credit (for school educational cost and expenses).