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Ans: The prospects are great but you need to realize that you will have to work harder to fill the gaps and bring yourself up to speed with the basics in these areas and also gain exposure to the more advanced stuff. Each of these fields you mentioned are quite broad and have huge potential

Ans: If you are planning to send your daughter abroad for higher studies in dental field, please ensure that you understand the eligibility of the target course. There are many admission consultants who promote medical courses abroad, but the student needs to understand if the international university is recognised by the Indian authorities or not. Furthermore, students will also have to pass a qualifying exam to be able to practice in India https://dciindia.gov.in/Admin/NewsArchives/Public%20Notice%203.pdf

Ans: There is a reason why marketplaces like GyanDhan have sprung up in the last few years. In addition to the fact that one can get access to multiple lenders on a single platform, the benefit is that these startups and marketplaces have representatives who have higher levels of empathy and also a better understanding of processes than their counterparts at different lenders

Ans: There ain't no such thing as a free lunch. Education loans by financial institutions will always have a cost attached to it. There are some 0% interest loan scholarship programs that you can definitely look at. These include the J N Tata Endowment Scholarship (https://www.gyandhan.com/blogs/jn-tata-endowment-scholarships), K C Mahindra Scholarship and the Narotam Sekhsaria Scholarship programmes. You can refer to the individual websites for the specific eligibility criteria and apply on the websites.

Ans: Your total cost of education includes living costs and is not just limited to course fees. You should consider other expenses as well including spends on accommodation, food, insurance, travel, and entertainment. Lenders typically finance a % of the overall cost of education. Most of the lenders can finance up to 80% of the amount, but in some cases this can go all the way up to 100%

The interest rates on lans against security (where you will pledge a property as a collateral) is typically 10% at this point in time, whereas the rate on unsecured loans hovers in the 11%-12% range in most cases. The exact interest rates are determined based on the applicant's profile. Secured loans have complete moratorium i.e. you are not required to make any payments during the period of study. Unsecured loans have requirements of partial or complete interest servicing during the period of study.