Scholarships and education loans: how to check what is real

Start from official sources

Genuine scholarships are announced by government portals, universities, banks and well-known foundations, each with a written eligibility and a free application. If someone asks you to pay to "unlock" a scholarship, treat it as a warning sign.

Questions to ask about any scholarship

• Who funds it, and where is it announced officially?
• What are the eligibility, documents and last date?
• Is there any fee? (A genuine application is usually free.)
• Is it renewed each year, and on what conditions?

Education loans

• Compare interest rate, processing fee, moratorium period and repayment terms in writing
• Ask what happens if the course or college changes
• Check whether the college or course is eligible under the lender's list
• Never sign blank forms or share OTPs

Plan the total cost first

Before choice filling, estimate the full cost of the course including hostel, books and travel, so that scholarships and loans are a plan, not a last-minute rescue.

By Padhaidekho Editorial Team · 2026-10-01

Keep reading

Guide reviewed October 2026. Rules, dates and eligibility change every cycle: always confirm on the official notice. This page is general guidance, not legal advice or an admission guarantee.