There should be Effective altruism loaning, not just funding

For example, I'm a medical student in Taiwan. However, I'm confident that going to USA medical school would proably  significantly increase my career donations(because the anual  salary in Taiwan doctor is:$170k, while it's $400k in USA, even the tuition of USA med school is $400k more than Taiwan, the career earning is definitely higher). Also, even if I study medicine in Taiwan, it's better for me to become a private clinic owner, which needs a significant amount of money. If I got these loaning, after I return all the loanings, in expected value I could donate $250-500k more in my lifetime.

It's very hard to get loaning on the two above mentioned situations(especially, it's impossible to get loaning as an international student in USA).

I could understand EA donors can't fund any researcher because the funding is limited. However, loaning is different, it would increase the funding in long-term.

Therefore, I think Coefficient giving and other EA majors should do EA loaning, it would significantly be beneficial to relieve the funding gap in EA.