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Shane from Prodigy Finance explains that loan applicants must be in their study country to digitally sign the loan agreement. One month before funds are due to be disbursed, an email is sent to notify applicants that the agreement is ready to be signed online from the new school of study. This process ensures funds are sent directly to the school, avoiding complex international transfers and preventing unwanted interest on unused funds. If unable to sign by the due date, applicants can reach out to extend the deadline.