In a major push for accessible and affordable education,
the Indian government has increased the Education Budget for 2025 by 18%, with a special focus on:
Infrastructure in rural schools and colleges
Digital classrooms
Scholarships for marginalized communities
Interest subsidies on student loans
But here's the catch:
Even with support, millions of Indian families still take on heavy debt to afford higher education.
With smart financial planning, you can pursue quality education—without falling into an EMI trap.
Let’s break it down with Vizzve Finance.
📘 What's in the Education Budget 2025?
| Initiative | Impact |
|---|---|
| ₹1.35 lakh crore allocation | Highest in India’s history |
| 500 new skill-based colleges | Focus on employability |
| Digital grants for students | UPI-linked education credits |
| Loan interest subsidies | For low-income families |
| Girls’ STEM scholarships | Special funding for female education |
📈 Why Do Students Still Fall into Debt?
Despite rising government aid, students and parents often:
Don’t start saving early
Pick colleges based on prestige, not ROI
Ignore cheaper online or hybrid learning options
Take personal loans with 11–15% interest rates instead of education loans
It’s not just about money. It’s about timing, mindset, and smart choices.
💡 Vizzve's No-Debt College Plan (For Students & Parents)
✅ 1. Start a College Fund Early (Even ₹500/Month)
Use Vizzve’s Goal-Based SIP Planner to calculate and invest for tuition, hostel, and materials.
Example:
₹1,000/month for 10 years @12% = ₹2.3 lakhs
✅ 2. Use Education Loans Wisely
Prefer government-subsidized education loans with:
Moratorium periods
Lower interest rates (6–9%)
Income-tax benefits under Sec 80E
Track all your loan repayment stages via Vizzve Loan Tracker.
✅ 3. Explore New-Age Scholarships
Vizzve now features an AI-powered scholarship match tool—find private, state, and global scholarships based on:
Your marks
Your category (SC/ST/OBC/Minorities)
Target course/country
✅ 4. Work-While-You-Study Options
Don’t wait till graduation. Part-time internships and freelancing can earn ₹10K–₹20K/month.
Use Vizzve’s Side Hustle Suggestor to balance study and earning.
✅ 5. Compare ROI Before Choosing a Course
Before picking an MBA at ₹20 lakhs, check:
Avg salary after graduation
Placement rates
Hidden costs (hostel, transport, food)
Vizzve’s Education ROI Calculator gives a full picture.
🔍 Quick Checklist: College Without Debt
✅ Set up a monthly SIP from age 10–15
✅ Apply for at least 5 scholarships
✅ Prioritize value-for-money colleges
✅ Track loan EMIs and subsidy eligibility
✅ Use Vizzve for goal planning + loan guidance
💬 FAQs
Q1: How much should I save monthly for my child’s college education?
Start with ₹1,000/month per child from age 10. Increase SIP with income.
Q2: What’s better—personal loan or education loan?
Always prefer education loans for lower interest, better terms, and tax deductions.
Q3: Can I get a scholarship if I’m in the general category?
Yes. Many merit-based private scholarships don’t have caste restrictions.
Q4: Is an education loan bad for credit score?
No. In fact, repaying on time improves your score. Track it with Vizzve’s Credit Score Monitor.
🔚 Final Thought from Vizzve
Education is the best investment.
But the price shouldn't be your peace of mind.
Plan early, invest smart, and use all tools available.
Your dream college doesn’t need to come with debt.
With Vizzve Finance, you’ll graduate with a degree AND a head start on financial freedom.
Published on : 18th July
Published by : SMITA
www.vizzve.com || www.vizzveservices.com
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.