An Evaluative Study of Perceptions Regarding Educational Loans in India

This research focuses on analysis of the market demand and nature of student loans.We have used the demand and supply model to address the student loan crisis.It serves as a framework for analysing the student-borrower motivations (the demand side) and the bank-lender motivations (the supply side).Analysis of the model shows a correlation between employment, budgeting, inflation, current economic conditions, family background, type of the university, enrolment in different courses and demand for student loans.The data is an amalgamation of primary and secondary sources collected by means of sample investigation, followed by regression analysis.The research results obtained are finally analysed and reasonable explanations are put forward.