No-cost EMI, a co-applicant, an education loan and a scholarship are four different things. Only one of them is free.
Most first-year students have no credit file at all, which is not a rejection — it is an absence. Lenders handle it with a co-applicant, usually a parent or guardian whose income and repayment record carry the application.
"No-cost EMI" means the interest has been moved into the sticker price, not that it vanished. Ask what the same programme costs paid in full. If the difference is zero, the offer is real. If it is not, you are paying interest under another name.
Scholarships and fee waivers are the only genuinely free money in this list, and they close earlier than admissions do. Check the state portal before you commit to a payment plan.
Written by the DCW research desk. Indicative editorial content for this prototype — no advertiser had sight of it.
