Education loan guides and explainers
Written by the counsellors who answer these questions on calls every day.
Featured · Education Loans
Education loan basics: how student lending actually works in India
A plain-English walkthrough of how banks and NBFCs assess an education loan — margin money, co-applicants, sanction letters, disbursement and what really decides your outcome.
ShikshaVahini Counselling Desk · 9 min read
Education Loans
Secured or unsecured? Choosing between collateral and collateral-free loans
Collateral usually buys a lower rate and a larger loan. Collateral-free is faster and simpler. Here is how to decide, with the numbers that actually matter.
ShikshaVahini Counselling Desk · 8 min read
Study Abroad
Funding a master's in the USA: the real cost and how families cover it
Tuition is only half the story. A realistic breakdown of a two-year US master's budget, and the loan structures Indian families use to fund it.
ShikshaVahini Counselling Desk · 10 min read
Student Finance
The education loan document checklist that prevents three weeks of delay
Every document banks and NBFCs ask for, why they ask for it, and the six paperwork gaps that cause most sanction delays.
ShikshaVahini Counselling Desk · 7 min read
Student Finance
Moratorium, simple interest and EMI: the repayment maths students skip
What actually happens to your interest while you study, why paying simple interest during the moratorium is usually worth it, and how to size an EMI you can live with.
ShikshaVahini Counselling Desk · 8 min read
Scholarships
Scholarships and assistantships: the cheapest way to shrink your loan
Every rupee of funding you win is a rupee you never repay with interest. Where scholarships come from, how they interact with your loan, and how to apply without wasting months.
ShikshaVahini Counselling Desk · 7 min read
Study Abroad
USA, UK, Canada or Germany: comparing the funding reality of each
Course length, living costs, proof-of-funds rules and post-study work all change what you should borrow. A destination-by-destination funding comparison.
ShikshaVahini Counselling Desk · 9 min read