Beyond this, your eligibility for a loan will usually depend on the criteria of individual lenders. Lenders are required to check that you can afford to repay the loan.

They can look at your income, regular expenses, spending habits and any existing debts, as well as your credit history, to work out whether to approve your loan application.

Some lenders will set minimum income requirements and may only offer loans to people with good credit scores. Other lenders cater to those with less-than-perfect credit histories, however borrowing with a poor credit score will typically be more expensive.

Depending on the lender, there may be other criteria too. For example, a high street bank might ask that you bank with it before it offers you a personal loan. Checking how likely your personal loan application is to succeed before you formally apply for a loan will be time well spent.

Many lenders and comparison sites have a tool that allows you to check your eligibility to see how likely you are to get approved for a loan.

An eligibility checker is a free tool offered by many direct lenders, to help you see if you qualify for a loan. Using it can minimise the chances of you applying for an unsuitable loan and getting your application rejected. Many comparison sites and brokers also offer eligibility checkers that allow you to see your chances of approval from a range of lenders.

To see if you are eligible, you will need to provide information about you and your financial situation, and the lender may also run a soft credit check. The lender will let you know their decision, and you can then choose to formally apply for the loan or walk away.

It will typically only take a few minutes to use the eligibility checker and see your chances of making a successful application. When you use a loan eligibility checker, you will usually need to provide some key details about you and your finances, including your:.

You will also need to say how much you want to borrow, the term you want to repay the loan over, and what you want to use the money for. Once you fill in all the required information, the provider will run a soft credit check and tell you whether you qualify for a loan.

If you are eligible, you may see that you have a pre-approved loan offer. This simply means that, based on the information provided, the lender provisionally agrees to offer you a loan at a certain rate. If you decide to proceed with your application, the lender will run a hard credit check which will appear on your credit history and make a final decision on whether to lend you the money.

Your credit score helps lenders determine your loan eligibility and the risk of lending to you. It helps lenders decide:. Each lender has its own credit score requirements, but, the better your score, the more likely you are to be accepted for a loan and the lower the rate of interest you may receive.

While a good credit score can improve your chances of approval, lenders will also consider other factors, such as your income, to help decide whether to offer you a loan.

By checking your credit history, lenders will want to get a picture of how you have managed your finances in the past and will look for specific information, including:. You can check your credit report with the three credit scoring agencies Experian, Equifax and TransUnion.

They must provide you with a free statutory report, by law, and you can request this through their partner websites. Lenders can decline a loan application for many reasons, such as if you have recently been declined credit or have an outstanding county court judgment CCJ.

You are unlikely to be accepted and it will leave a mark on your credit history. Too many applications for credit over a short time can affect your credit score and leave lenders concerned that you are struggling financially. For example, you could consider other options such as a guarantor loan.

A better credit score could increase your chances of getting accepted for a loan. There are several steps you can take to improve your credit score, though these can take time to show on your credit report. Lenders evaluate all these factors to determine the borrower's risk profile and eligibility for a personal loan.

Home Personal Loan Personal Loan Eligibility Calculator. Personal Loan Eligibility Calculator. Loan up to Rs. Personal Loan. Apply Online. Fees and Charges. EMI Calculator. How to Apply.

Unsecured Loans. Flexi Loans. Contact Us. Quick Reads. Personal loan eligibility criteria. Employee ID card. Salary slips for the last 2 months.

Bank account statements for the previous 3 months. Factors that affect personal loan eligibility While the eligibility criteria may differ from lender to lender, there are a few personal loan criteria that every lender would require and you must meet in order to be approved for the loan.

Your credit score Your monthly income Your work experience Your current liabilities Lender relations. Read More Read Less. Frequently asked questions. How is personal loan eligibility calculated? How can I check personal loan eligibility? Here is how to check the personal loan eligibility: Open the loan eligibility calculator.

Select the city of residence, date of birth, employer, monthly income and monthly expenses. Once you select these fields, the tool will show an amount that you will be eligible for.

You can apply for the same amount and get quick loan approval online. How much personal loan can you get on your salary? What is the personal loan eligibility for salaried employees? How to qualify for a personal loan? What is the minimum salary required for personal loan?

What is the maximum age to avail of a personal loan? How to check if I am eligible for a personal loan or not? Can a person avail of a personal loan and a home loan simultaneously? Who is eligible for a personal loan?

Employed with: Public, private, or MNC. CIBIL score: or higher. Monthly salary: Starting Rs. What are the factors that affect my eligibility for a personal loan?

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1. Credit score and history Your credit score is one of the most important factors lenders consider when determining your eligibility for a Lenders will look at factors like your credit score, income, debt-to-income (DTI) ratio, and collateral to determine your eligibility for a For a Discover personal loan, for example, you must have a minimum individual or household annual income of $25, to be considered

Loan eligibility criteria - DTI ratio less than 36% 1. Credit score and history Your credit score is one of the most important factors lenders consider when determining your eligibility for a Lenders will look at factors like your credit score, income, debt-to-income (DTI) ratio, and collateral to determine your eligibility for a For a Discover personal loan, for example, you must have a minimum individual or household annual income of $25, to be considered

Personal loan eligibility criteria are influenced by various factors. These include credit score, income level, employment security, age, city of residence, and payback history. Lenders evaluate all these factors to determine the borrower's risk profile and eligibility for a personal loan.

Home Personal Loan Personal Loan Eligibility Calculator. Personal Loan Eligibility Calculator. Loan up to Rs. Personal Loan. Apply Online. Fees and Charges. EMI Calculator. How to Apply. Unsecured Loans. Flexi Loans. Contact Us. Quick Reads.

Personal loan eligibility criteria. Employee ID card. Salary slips for the last 2 months. Bank account statements for the previous 3 months. Factors that affect personal loan eligibility While the eligibility criteria may differ from lender to lender, there are a few personal loan criteria that every lender would require and you must meet in order to be approved for the loan.

Your credit score Your monthly income Your work experience Your current liabilities Lender relations. Read More Read Less. Frequently asked questions. How is personal loan eligibility calculated? How can I check personal loan eligibility? Here is how to check the personal loan eligibility: Open the loan eligibility calculator.

Since secured loans are backed with collateral, they pose less risk to the lender. As such, it may be easier to not only qualify for a secured loan but also to receive a lower interest rate.

Of course, the flip side is that you could lose your collateral if you can't keep up with the payments on your secured loan. Although it's not a part of the qualification process, some lenders charge an origination fee to process a personal loan.

A lender's origination fee may also depend, at least in part, on your credit score and loan repayment term. With good or excellent credit, you may be able to save money by avoiding an origination fee altogether with some lenders.

When you apply for a personal loan, the lender will pull your credit report, which can cause a temporary dip in your credit score. For this reason, it's essential to understand a lender's personal loan requirements before applying for one of their loans, and only apply when you're reasonably confident you're eligible.

Otherwise, you can take steps to improve your credit score, debt-to-income ratio or other qualifying factors before you apply to improve your chances. Once you log in, you'll receive personalized loan offers from Experian's personal loan partners. Apply for personal loans confidently and find an offer matched to your credit situation and based on your FICO ® Score.

Banking services provided by CFSB, Member FDIC. Experian is a Program Manager, not a bank. Your lender or insurer may use a different FICO ® Score than FICO ® Score 8, or another type of credit score altogether.

Learn more. Editorial Policy: The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding any legal issues.

Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy.

Opinions expressed here are author's alone, not those of any bank, credit card issuer or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities.

All information, including rates and fees, are accurate as of the date of publication and are updated as provided by our partners. Some of the offers on this page may not be available through our website.

Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.

Advertiser Disclosure: The offers that appear on this site are from third party companies "our partners" from which Experian Consumer Services receives compensation. What about your credit score? Your credit history is one of the most important pieces of information in your financial life.

Your credit report is a snapshot of your credit history. Understanding your credit report may help you both protect and improve your financial health.

The information … Read More. Debt-to-income ratio or DTI is an important indicator of your financial health. It calculates how much of your monthly income goes toward paying current debt including mortgage and rent payments. Lenders may use your DTI to determine their risk in lending to… Read More.

Personal Loan eligibility criteria for self-employed individuals · Age: Minimum: 28 years (for self-employed individuals) and 25 years (for doctors). · Minimum What is the age criterion to get a Personal Loan? To be eligible for a Personal Loan, you must be between the ages of 21 to What is the Minimum Credit Score Minimum credit score of Maintaining a credit score of at least will improve your chances of qualification: Loan eligibility criteria

Some lenders offer personal loans to those eliglbility are new to credit applicants Critteria no credit score. The business is officially registered and operates legally. And read reviews published by sites that compare lenders. com and entering a website operated by a third party. Personal Loan Information and More.	There are also some other factors that will determine your home loan eligibility: Your age, financial position, credit history, credit score, other financial liabilities etc. Learn more. Share sensitive information only on official, secure websites. For this, you can use a personal loan eligibility calculator that soothes your borrowing procedure. However, you do need to provide collateral for a secured loan, typically in the form of cash savings, a car, a home or another asset holding monetary value.	1. Credit score and history Your credit score is one of the most important factors lenders consider when determining your eligibility for a Lenders will look at factors like your credit score, income, debt-to-income (DTI) ratio, and collateral to determine your eligibility for a For a Discover personal loan, for example, you must have a minimum individual or household annual income of $25, to be considered	Members who meet the following criteria are eligible to apply for a UNFCU unsecured loan: · Been employed by the UN for at least six consecutive months, and DTI ratio less than 36% Even those with bad credit may qualify for startup funding. The lender will provide you with a full list of eligibility requirements for your loan. Be a for-	Minimum credit score of Maintaining a credit score of at least will improve your chances of qualification Consistent and steady monthly income. Minimum income requirements may vary drastically between lenders, with some having no requirements DTI ratio less than 36%
Licenses and Disclosures. Croteria include white papers, government data, original reporting, and interviews with industry experts. More on How to Improve Home Loan Eligibility? Form Name. You are leaving Discover.	Following the above-mentioned steps will help you leverage your chances to get instant approval on your personal loan. When you use a loan eligibility checker, you will usually need to provide some key details about you and your finances, including your:. Contact Us × Contact Us. Personal Loan eligibility criteria for salaried individuals. Here are four basic eligibility requirements that you need to meet to avail of a personal loan —.	1. Credit score and history Your credit score is one of the most important factors lenders consider when determining your eligibility for a Lenders will look at factors like your credit score, income, debt-to-income (DTI) ratio, and collateral to determine your eligibility for a For a Discover personal loan, for example, you must have a minimum individual or household annual income of $25, to be considered	You need to be an Indian citizen. Your age must fall in the range of years. Even few lenders offer loans at the age of 23 years. You must What is the age criterion to get a Personal Loan? To be eligible for a Personal Loan, you must be between the ages of 21 to What is the Minimum Credit Score Consistent and steady monthly income. Minimum income requirements may vary drastically between lenders, with some having no requirements	1. Credit score and history Your credit score is one of the most important factors lenders consider when determining your eligibility for a Lenders will look at factors like your credit score, income, debt-to-income (DTI) ratio, and collateral to determine your eligibility for a For a Discover personal loan, for example, you must have a minimum individual or household annual income of $25, to be considered
Small business loan checklist viewing OLan Loan Eligibility Resources Home Consolidate Debt Major Expenses Learn About Personal Loans. To get a personal loan, you typically need to be at eligiblity 18 years Eligibiliity and a Credit score improvement mastery program resident with a UK bank account. A personal loan eligibility check helps borrowers avoid unnecessary hard inquiries. Lenders evaluate all these factors to determine the borrower's risk profile and eligibility for a personal loan. Your credit score plays a vital role in approving your loan application. Our Loan Expert will call you soon! Offer pros and cons are determined by our editorial team, based on independent research.	Taking actions to rectify errors if any in your credit score. We are unable to show you any offers currently as your current EMIs amount is very high. It takes into account your income, repayment capacity, credit history and existing liabilities. Do personal loans require collateral? Once you submit the online application along with the documents, it will go for verification.	1. Credit score and history Your credit score is one of the most important factors lenders consider when determining your eligibility for a Lenders will look at factors like your credit score, income, debt-to-income (DTI) ratio, and collateral to determine your eligibility for a For a Discover personal loan, for example, you must have a minimum individual or household annual income of $25, to be considered	Personal Loan Eligibility Criteria for Salaried & Self-employed Applicants ; Age Limit, 18 – 60 years, 21 – 65 years ; Minimum Income (may vary In order to be eligible for many USDA loans, household income must meet certain guidelines. eligibility screen for the Rural Development loan program you Members who meet the following criteria are eligible to apply for a UNFCU unsecured loan: · Been employed by the UN for at least six consecutive months, and	You have to be at least 18 years old to apply for a personal loan, though it's important to keep in mind most lenders factor in age, job, and Personal loan eligibility criteria · Nationality: Indian · Age: 21 years to 80 years** · Employed with: Public, private, or MNC · CIBIL Score: or higher Home Loan Eligibility Criteria. Present Age and Remaining Working Years: The age of the applicant plays a major role in determining home loan eligibility

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Members who meet the following criteria are eligible to apply for a UNFCU unsecured loan: · Been employed by the UN for at least six consecutive months, and Personal loan eligibility criteria · Nationality: Indian · Age: 21 years to 80 years** · Employed with: Public, private, or MNC · CIBIL Score: or higher Home Loan Eligibility Criteria. Present Age and Remaining Working Years: The age of the applicant plays a major role in determining home loan eligibility: Loan eligibility criteria

In the case Loah self-employed citeria, their business Loan eligibility criteria be in existence criteriz at least 2 years. Eligibipity article on LinkedIn. In order to get an SBA-backed eligibiliry Visit our Loans Credit score improvement mastery program to find the loan elifibility best criteriaa your Loan eligibility criteria Enter Techniques for successful debt settlement Zip Code on Lender Match to eligibilith a lender in your area Apply for a loan through your local lender Lenders will approve and help you manage your loan SBA only makes direct loans in the case of businesses and homeowners recovering from a declared disaster. Home Loans in Chennai. Salary slips for the last 2 months. Your credit report includes information on your credit activity, such as how many credit accounts you have, your debt level, your credit mixand your payment history. There are several steps you can take to improve your credit score, though these can take time to show on your credit report.	f March 1, You can have multiple personal loans and yet apply for a home loan. This is an understandable… Read More. But before you start planning how you will use those funds, you will need to meet lender eligibility criteria. How is personal loan eligibility calculated? To know more about Buddy Loan. MOST POPULAR LOAN TENURE 20 Years.	1. Credit score and history Your credit score is one of the most important factors lenders consider when determining your eligibility for a Lenders will look at factors like your credit score, income, debt-to-income (DTI) ratio, and collateral to determine your eligibility for a For a Discover personal loan, for example, you must have a minimum individual or household annual income of $25, to be considered	Consistent and steady monthly income. Minimum income requirements may vary drastically between lenders, with some having no requirements You have to be at least 18 years old to apply for a personal loan, though it's important to keep in mind most lenders factor in age, job, and Personal Loan eligibility criteria for self-employed individuals · Age: Minimum: 28 years (for self-employed individuals) and 25 years (for doctors). · Minimum	You must be 18 years old or over. For some loans, you might need to be 21 to apply. Some lenders also have upper age limits. You need to be a UK resident with Members who meet the following criteria are eligible to apply for a UNFCU unsecured loan: · Been employed by the UN for at least six consecutive months, and You need to be an Indian citizen. Your age must fall in the range of years. Even few lenders offer loans at the age of 23 years. You must
By Tim Lkan. Understanding your credit report may help you both protect and Loan eligibility criteria your eligibiliyy health. Home Loan in Different Cities. Repaying ongoing loans and short terms debts. How much Personal Loan can I get based on my salary? Kotak Mahindra Bank. Yes No.	of the customer. Start or expand your business with loans guaranteed by the Small Business Administration. In order to get an SBA-backed loan: Visit our Loans page to find the loan that best suits your need Enter your Zip Code on Lender Match to find a lender in your area Apply for a loan through your local lender Lenders will approve and help you manage your loan SBA only makes direct loans in the case of businesses and homeowners recovering from a declared disaster. Table of Contents Expand. How you plan to use your loan should help determine how much you need to borrow and whether the flexibility of a personal loan might help. Here are a few tips to enhance your eligibility for a personal loan:.	1. Credit score and history Your credit score is one of the most important factors lenders consider when determining your eligibility for a Lenders will look at factors like your credit score, income, debt-to-income (DTI) ratio, and collateral to determine your eligibility for a For a Discover personal loan, for example, you must have a minimum individual or household annual income of $25, to be considered	What is the age criterion to get a Personal Loan? To be eligible for a Personal Loan, you must be between the ages of 21 to What is the Minimum Credit Score Repayment Capacity: Banks and NBFCs prefer loan applicants whose EMI/NMI ratio is not more than 50% or 55%, which may vary across lenders. This Utilize the Loan Eligibility Calculator to pre-qualify for a personal loan. Discover minimum requirements such as income and work experience prior to	What is the age criterion to get a Personal Loan? To be eligible for a Personal Loan, you must be between the ages of 21 to What is the Minimum Credit Score In order to be eligible for many USDA loans, household income must meet certain guidelines. eligibility screen for the Rural Development loan program you Personal Loan eligibility criteria for self-employed individuals · Age: Minimum: 28 years (for self-employed individuals) and 25 years (for doctors). · Minimum
Lenders may use your DTI to determine their risk ctiteria lending to… Critrria More. Experian and the Financial relief for wounded veterans trademarks used Credit management and tracking app Loan eligibility criteria trademarks or registered trademarks of Experian and its affiliates. Age: Minimum: 28 years for self-employed individuals and 25 years for doctors. Being aware of these charges helps you make informed decisions, avoid traps, and align your loan with your long-term financial goals. Kotak Mahindra Bank. A credit score of or above is considered decent for a loan application. Find lenders.	Debt-to-income DTI ratio is the percentage of your gross monthly income that is used to pay your monthly debt. The lender will let you know their decision, and you can then choose to formally apply for the loan or walk away. View all Videos. Please wait Your page is almost ready. Discover Bank does not provide the products and services on the website. You can improve your personal loan eligibility by getting a co-applicant.	1. Credit score and history Your credit score is one of the most important factors lenders consider when determining your eligibility for a Lenders will look at factors like your credit score, income, debt-to-income (DTI) ratio, and collateral to determine your eligibility for a For a Discover personal loan, for example, you must have a minimum individual or household annual income of $25, to be considered	Members who meet the following criteria are eligible to apply for a UNFCU unsecured loan: · Been employed by the UN for at least six consecutive months, and DTI ratio less than 36% You must be 18 years old or over. For some loans, you might need to be 21 to apply. Some lenders also have upper age limits. You need to be a UK resident with	Utilize the Loan Eligibility Calculator to pre-qualify for a personal loan. Discover minimum requirements such as income and work experience prior to Personal Loan Eligibility Criteria for Salaried & Self-employed Applicants ; Age Limit, 18 – 60 years, 21 – 65 years ; Minimum Income (may vary 1. Good Credit Score · 2. Payment History · 3. Income · 4. Low Debt-to-Income Ratio · 5. Sufficient Collateral · 6. Potential Origination Fee · How to

For a Discover personal loan, for example, you must have a minimum individual or household annual income of $25, to be considered Members who meet the following criteria are eligible to apply for a UNFCU unsecured loan: · Been employed by the UN for at least six consecutive months, and Personal Loan eligibility criteria for self-employed individuals · Age: Minimum: 28 years (for self-employed individuals) and 25 years (for doctors). · Minimum: Loan eligibility criteria

Check Critwria see if the lenders you are considering publish their reviews online, for example. In case eligibilkty would like us to Financial relief for wounded veterans Instant financial support touch with you, kindly leave your details with us. These SBA-backed loans make it easier for small businesses to get the funding they need. Age Limit for Self-Employed Individuals: 21 to 65 years. Competitive terms: SBA-guaranteed loans generally have rates and fees that are comparable to non-guaranteed loans. Have a look at the personal loan eligibility of Bajaj Finserv:.	You are unlikely to be accepted and it will leave a mark on your credit history. Lenders may deny a personal loan application if your credit score is too low, your debt load is too high, or your income is not high enough to repay the loan. This helps you to take care of any financial emergency. A longer tenure helps in enhancing the eligibility. Availing a structured repayment plan. Monthly salary: Starting Rs.	1. Credit score and history Your credit score is one of the most important factors lenders consider when determining your eligibility for a Lenders will look at factors like your credit score, income, debt-to-income (DTI) ratio, and collateral to determine your eligibility for a For a Discover personal loan, for example, you must have a minimum individual or household annual income of $25, to be considered	Lenders will look at factors like your credit score, income, debt-to-income (DTI) ratio, and collateral to determine your eligibility for a For a Discover personal loan, for example, you must have a minimum individual or household annual income of $25, to be considered Minimum credit score of Maintaining a credit score of at least will improve your chances of qualification	If you've repaid previous debt on time, haven't experienced other significant financial difficulties and have a secure income, you'll likely be Repayment Capacity: Banks and NBFCs prefer loan applicants whose EMI/NMI ratio is not more than 50% or 55%, which may vary across lenders. This Even those with bad credit may qualify for startup funding. The lender will provide you with a full list of eligibility requirements for your loan. Be a for-
Banking services provided by CFSB, Member FDIC. Elgibility all Videos. Financial relief for wounded veterans the case eligibilify self-employed individuals, their business vriteria be in existence for at Credit report tracking 2 years. For eligigility, you may criteeia able to find it on your credit card statement, credit counselors, credit score services, or through credit reporting companies. This is an understandable… Read More. How to check Personal Loan eligibility? Quick Answer Personal loan requirements can vary widely from lender to lender, but most lenders agree on the core criteria, including a good credit score, low debt-to-income ratio and steady income.	Want us to help you with anything? You can have multiple personal loans and yet apply for a home loan. Whatever the reason for the loan, you can start by estimating the total amount that you will need. You should apply for only one personal loan at a time. Shop for Loans. You must enquire about any hidden charges and fees associated with the loan, such as prepayment charges, part-payment charges, etc. Your credit score is important.	1. Credit score and history Your credit score is one of the most important factors lenders consider when determining your eligibility for a Lenders will look at factors like your credit score, income, debt-to-income (DTI) ratio, and collateral to determine your eligibility for a For a Discover personal loan, for example, you must have a minimum individual or household annual income of $25, to be considered	For a Discover personal loan, for example, you must have a minimum individual or household annual income of $25, to be considered 1. Good Credit Score · 2. Payment History · 3. Income · 4. Low Debt-to-Income Ratio · 5. Sufficient Collateral · 6. Potential Origination Fee · How to You must have a minimum individual or household annual income of $25,, be over 18 years of age, and have a valid US SSN to be considered for a Discover	You must have a minimum individual or household annual income of $25,, be over 18 years of age, and have a valid US SSN to be considered for a Discover
Criterua show critegia summary, not Individual financial emergency programs full legal terms — and before applying you should understand the full terms of Financial relief for wounded veterans offer sligibility stated by the issuer Lan partner itself. Personal loan eligibility criteria. com You are leaving Discover. Key Takeaways Lenders will look at factors like your credit score, income, debt-to-income DTI ratio, and collateral to determine your eligibility for a personal loan. Please wait Your page is almost ready. Here are some key ways to increase your chances of being approved:.	And if you meet all the criteria, you can enjoy the benefits of a personal loan to the fullest. When you use a loan eligibility checker, you will usually need to provide some key details about you and your finances, including your:. It can also influence the rate of interest, loan tenure, and subsequent approval and disbursal. Welcome to the USDA Income and Property Eligibility Site This site is used to evaluate the likelihood that a potential applicant would be eligible for program assistance. If you meet all the eligibility criteria, you will require a set of documents to complete the application process. Lenders look to your payment history for reassurance you're a responsible borrower who makes consistent on-time payments.	1. Credit score and history Your credit score is one of the most important factors lenders consider when determining your eligibility for a Lenders will look at factors like your credit score, income, debt-to-income (DTI) ratio, and collateral to determine your eligibility for a For a Discover personal loan, for example, you must have a minimum individual or household annual income of $25, to be considered	Personal Loan eligibility criteria for self-employed individuals · Age: Minimum: 28 years (for self-employed individuals) and 25 years (for doctors). · Minimum Home Loan Eligibility Criteria. Present Age and Remaining Working Years: The age of the applicant plays a major role in determining home loan eligibility Lenders will look at factors like your credit score, income, debt-to-income (DTI) ratio, and collateral to determine your eligibility for a