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Shane from Prodigy Finance explains that loan applicants must be in their study country to digitally sign their loan agreement due to their unique online model. Signing from a home country can trigger a geolocation error. Applicants will receive an email one month before fund disbursement, notifying them that their agreement is ready for online signing. Funds will be sent directly to the school, avoiding complex international transfers and minimizing interest on unused funds. If applicants haven't arrived in their study country by the due date shown on their dashboard, they can contact Prodigy Finance to request an extension.