For educational loans, the educational institution the applicant will attend is contacted to determine the estimated cost of attendance. This amount is then compared to the amount of the loan requested in the application. If the requested amount exceeds the cost of attendance, the loan is denied. Otherwise, education loan requests for amounts between R2000 and R34,999 are approved if the applicants credit rating is fair, good, or excellent. Education loan applications requesting amounts from R35,000 to R200,000 are approved only if the credit rating is good or excellent. All loan applications for amounts greater than R200,000 are sent to the vice president for review and approval.

Create a sequence diagram for the loan application process until a loan is approved. Include the return messages.