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    <title>Schemes to make education loan as easy loans</title>
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    <description>Schemes provide interest subsidy relief by having the Government meet interest during the study period and moratorium, with accrued interest capitalised for EMI calculation. Central programmes include full moratorium interest subsidy for economically weaker students studying in India, overseas subsidies for meritorious minority and OBC students, an online Vidya Lakshmi Portal for loan application and tracking, and a credit guarantee mechanism permitting collateral free education loans within prescribed limits.</description>
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