Ah, secured loans need collateral like a house—something we don't have. Unsecured loans use a co-applicant’s income, like my appa’s, which felt like risking the whole family’s stability. The moratorium period and Vidya Lakshmi Portal made it all seem so possible, but after returning, my salary barely covers the EMI. So I tell my students, “Nimage ardhaagilla,” because that loan paper gave me a degree but tied my amma’s mangalsutra to it.
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