Best loans for EU masters?

Hi guys,

I 22f want to attend grad school in Germany for 2 years. German tuition is free. All in all I can do this for less than 20k (fees/COL) but I have no savings at all. I would need to take this out in loans.

Germany requires a blocked account for visas, which must have 11k in it at the time of application to represent a safety net for 1 years expenses. I have read that you can take out private loans instead of student loans to satisfy this account, then disburse monthly for expenses. All in all I would like to take out one big loan and put it into this account and disburse over the program. US federal student loan programs don’t work for German masters programs so personal loans are the best path for funding/visa fulfillment.

What are the best loans for this? Is this a bad financial decision if I am increasing my human capital/income potential?