How can we help?

StudCred is a digital education-loan discovery platform. We help students and parents compare loan options from leading banks and NBFCs, check eligibility, calculate EMIs, and get matched to the right lender — for study in India and abroad.

No. StudCred's comparison and guidance is free for students. Lenders may charge their own processing fees, which are always disclosed upfront.

Loan amounts typically range from ₹50,000 up to ₹1.5 Crore depending on the course, institution, co-applicant profile and whether you offer collateral. Use our eligibility calculator for an indicative estimate.

Yes. Collateral-free (unsecured) loans are available up to ₹7.5 Lakh for domestic study and up to ₹75 Lakh for premier institutions abroad, subject to the co-applicant's income and profile.

Most education loans include a moratorium (repayment holiday) covering the course duration plus 6–12 months, so you begin EMIs after you finish studying and settle into a job.

Yes. Under Section 80E of the Income Tax Act, the entire interest paid on an education loan is deductible for up to 8 years, with no upper limit on the amount.

With complete documents, in-principle sanctions can come within 2–7 working days. Timelines vary by lender and whether collateral is involved.

Beyond tuition, loans usually cover living expenses, accommodation, travel, insurance, exam and library fees, laptops and other course-related costs.