Education Loan for abroad

I am thinking of taking an educational loan(Unsecured) from either Axis Bank or HDFC Credilia. However, I read some negative reviews about HDFC Credilia how they increase the interest rate without prior notice and demand for collateral to disburse the loan amount. Is it the same with Axis bank(their website mentions something about Repo Rate which I’m not sure what it is)?
Could you please suggest some other alternatives?
Thank You.