Secured loans need a collateral like my ancestral sugarcane field; unsecured loans rely on the co-applicant’s income, like my son’s salary in Pune. The Vidya Lakshmi portal helped compare banks, and the moratorium meant repayments only started after my granddaughter’s course began. My own experience taught me that ‘margin money’ is the hardest part—the bank gave only 80%, so we sold a small piece of that very land to arrange the rest.
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