This is serious, plz help. This is about admission process

This is serious, plz help. This is about my admission process

Hey guys, 18M here.

My qualifications: 70% in 10th and 78% in 12th (Commerce with Maths).

I took admission at Sharda University. My reporting day is on August 20, orientation is on August 25, and classes start on August 31. So far, I've only paid ₹30K as the admission fee, and the rest will be covered through an education loan.

I'm going to apply for the education loan today (August 14). I’m worried about whether the loan will be processed before my reporting/classes start.

What should I do if the loan takes longer than expected? Has anyone been in a similar situation?