Student loan declined, personal loan of more value offered....

<p>I app**** for a student loan as surity. I was declined and told that this is due to the risk, but the person could not tell my why. He said that he could call me back the next business day, but never dit. On the same call he offered me a personal loan of more value than the student loan. I dont understand this at all, as my risk profile did not change, how can a bank then offer me more money? Seems like the bank is simply trying to sell a more expensive loan, which is unacceptable. FNB has been contacting me to switch to a private client, so I cant imagine that my risk can be bad. I also have a home loan and vehicle finance with FNB, so where is the risk? I am verry annoyed with this and lack of feedback. I am looking to other banks for better service and will move my accounts.</p>