After how much time do I have to start repaying the education loan?
27 Jul 2026 · Answered by Chaithrakala P L · 1 min read
You typically start repaying your education loan after a moratorium period, which covers your course duration plus a grace period.
- For studies in India: Repayment begins one year after you finish your course or six months after you get a job, whichever comes first.
- For studies abroad: Repayment starts six months after course completion.
The repayment tenure usually ranges from 5 to 15 years, depending on your lender and loan amount. Interest keeps accruing during the moratorium and is added to your principal, so starting repayments early can reduce your total interest.
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