Are year gaps in my education going to affect my chances of getting a loan?

It depends. Having a gap in your education can affect your education loan eligibility, but it does not automatically disqualify you.

Lenders usually consider:
- Reason for the gap (work experience, personal reasons, etc.)
- Academic record and current financial situation
- Supporting documents such as a gap certificate, if required

Your 48 months of work experience after your studies is a positive factor, as lenders often view it as a sign of financial stability. Be prepared to provide clear documentation and explanations for your gap when applying.