Secured loans need property as collateral, hoye, which we don’t have to risk, so my education loan was unsecured—no margin money either, as my savings covered that part. The moratorium was a blessing, letting me focus on studies before repayment, and my father was my co-applicant, his ledger income proving crucial. I skipped the Vidya Lakshmi portal entirely because our local bank manager, Uncle Fernandes, helped us file the papers over a Sunday evening, just like our family ledger.
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