Smart loan management is all about striking a balance between financial discipline and strategic planning. By understanding your repayment schedule, making timely payments, and using tools like moratoriums wisely, you can stay in control instead of letting debt overwhelm you. Paying off loans early — especially high-interest ones — not only reduces your overall interest burden but also frees up future income for investments and savings. Advertisement

Taking on an education loan often feels like a heavy financial burden, but paying it off strategically can make all the difference, says chartered accountant Nitin Kaushik.

In a widely shared post on X (formerly Twitter), Kaushik broke down the numbers with a real-life example. “Imagine taking an education loan of ₹17 lakh. If you let it ru

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