An educational loan is a targeted bank loan for paying tuition fees. Its feature is a grace period. During the study, you can pay only the interest, and the principal amount after getting a job.
The advantage of such a loan is the provision of a grace period for repaying the principal debt and an attractive loan term. The bank can grant a deferment on debt repayment during the period of study at university or college, and for six months after graduation, the borrower pays only interest on the loan monthly. After the grace period, the repayment of the principal debt begins. It is anticipated that within six months the young specialist will find a job and be able to make payments easily. The borrower can repay the loan early without penalties.
Source: https://prodengi.kz/post/mozno-li-v-kazaxstane-polucit-kredit-na-obrazovanie