The “Moratorium Trap”: How Paying Interest While You Study Saves ₹10 Lakh to ₹23 Lakh
Most Indian students and parents treat the moratorium (the course duration plus a grace period after graduation) as a repayment holiday. No EMIs are due while you are in school, so paying nothing until you find a job overseas feels natural. But a repayment pause is not an interest freeze. Interest starts accruing from the […]