Student loans are funds borrowed from a bank, to be repaid on a calculated rate of interest. Repayment usually begins six months after graduation. You can increase your chances of winning a scholarship or bursary by following some basic guidelines. Apply for any award for which you might be eligible. If you don't apply, you won't win.
Scholarships are competitive awards.
The quantity and quality of applications vary from year to year. No one can tell in advance how stiff the competition will be. If you don't win this year, apply again next year. Murphy's Law says that if something can go wrong, it will. You should count on at least four weeks to collect recommendations and references, and write your essay.