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A number of factors are considered before you are issued a bank loan. One of the factors being your credit score or rating. If you have a low credit score then you will not be issued a loan even if your have a crb clearance certificate. Therefore, you need to consult your bank about your credit score.
Whether you will get a loan or not after clearing your default status depends on your credit score and rating. Loaning institution will consider your credit score and other financial factors to decide whether you are eligible for a loan.
Industrial attachment and internship insurance cover application letters are normally issued immediately upon application.
It is not possible to change your course after being placed. Change of course is only available during first revision of courses for new students.
If you made your application via KUCCPS portal and you have been placed by KUCCPS then you are a government sponsored student which means you will be sponsored by the government even if you join a Private University.