Hi Ram, If you want to defer or postpone your admission you should be asking it directly to the university since it’s their decision. Please email La Trobe about your situation and also enquire about any scholarship options if they have. You should also know that banks may take 7 to 20 days to process the loan, some may even approve it within 24 hours. Government banks will take time. You can check with Credila and Avanse education loan. For the rest of the query about deferred admission you have to seriously email the university without wasting further time.