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Should I take Education Loan for BTech CSE at LPU or Choose LNCT Bhopal with EWS CRL Rank 19k?

Dr Dipankar

Dr Dipankar Dutta  |1841 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Aug 20, 2024

Dr Dipankar Dutta is an associate professor in the computer science and engineering department at the University Institute of Technology, the University of Burdwan, West Bengal.
He has 27 years of experience and his interests include AI, data science, machine learning, pattern recognition, deep learning and evolutionary computation.
Aside from his responsibilities at the college, he also delivers lectures and conducts webinars.
Dr Dipankar has published 25 papers in international journals, written book chapters, attended conferences, served as a board observer for WBJEE (West Bengal Joint Entrance Examination) exams and as a counsellor for engineering college admissions in West Bengal. He helps students choose the right college and stream for undergraduate, masters and PhD programmes.
A senior member of the Institute of Electrical and Electronics Engineers (SMIEEE), he holds a bachelor's degree in engineering from the Jalpaiguri Government Engineering College and a an MTech degree in computer technology from Jadavpur University.
He completed his PhD in engineering from IIEST, Shibpur (formerly BE College).... more
Asked by Anonymous - Jul 22, 2024Hindi
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Career

Hello, i have secured 1lakh15k CRL rank and 19k EWS rank from bihar,and my 12th percentage is 66.2 and i am a dropper. I have booked a seat in LPU in btech CSE, and i have to take loan of 7 lakhs for it. And the seat booking price is refundable with a deduction of 1k. What should i do please advice me. I have one more option ie.cse in lnct bhopal main campus? Please advice me which college should i prefer?

Ans: Go for LPU
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Ramalingam

Ramalingam Kalirajan  |10881 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 25, 2024

Asked by Anonymous - Jul 17, 2024Hindi
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Money
Hello, i have secured 1lakh15k CRL rank and 19k EWS rank from bihar,and my 12th percentage is 66.2 and i am a dropper. I have booked a seat in LPU in btech CSE, and i have to take loan of 7 lakhs for it. And the seat booking price is refundable with a deduction of 1k. What should i do please advice me.
Ans: 1. Academic Background:

Secured 1,15,000 CRL rank and 19,000 EWS rank.
12th percentage: 66.2%.
You are a dropper.
2. Educational Choices:

Booked a seat in LPU for B.Tech CSE.
Need to take a loan of Rs 7 lakhs.
Seat booking price is refundable with a deduction of Rs 1,000.
Financial Assessment
1. Loan Implications:

A loan of Rs 7 lakhs will accrue interest over time.
The repayment period may extend several years post-graduation.
Monthly EMIs could be a financial burden, especially at the start of your career.
2. Earning Potential:

B.Tech CSE graduates generally have good earning potential.
Research the average starting salary for LPU graduates in CSE.
Compare this with potential EMIs to assess affordability.
Alternative Options
1. Re-evaluate Other Colleges:

Consider other colleges with lower fees.
Look for government colleges or other private colleges with scholarships.
Utilize your EWS rank for potential advantages in admissions.
2. Cost-Benefit Analysis:

Compare the long-term benefits of the degree from LPU against the debt incurred.
Factor in job placement rates, average starting salaries, and career growth.
Financial Advice
1. Avoid Excessive Debt:

High student loans can impact your financial stability post-graduation.
Opt for a college with a balance of good education and lower fees if possible.
2. Scholarships and Financial Aid:

Apply for scholarships based on merit and need.
Explore financial aid options specific to your situation.
3. Part-Time Work:

Consider part-time jobs or internships during your studies.
This can help manage living expenses and reduce reliance on loans.
Decision-Making
1. Pros and Cons of LPU:

Pros: Good facilities, diverse student community, strong CSE program.
Cons: High cost leading to significant debt.
2. Explore All Options:

Revisit other colleges and financial aid possibilities.
Assess the return on investment for each option.
Final Insights
Prioritize minimizing debt while ensuring a quality education. Explore scholarships and part-time work opportunities. Make an informed decision based on thorough research and financial planning.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Nayagam P

Nayagam P P  |10854 Answers  |Ask -

Career Counsellor - Answered on Jun 12, 2025

Patrick

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I am a student who has just passed 12th standard and looking for admission in private university for btech cse . I gave many entrance exams like viteee aeee met comed k siteee cucet and upes entrance test . I did not score that much in most of the exams to be able to secure a seat for btech cse because of high demand and limited seats . I have got a rank of 1,68,000 in viteee should I apply for counselling and select my first preference as vit bhopal cse during choice filling? I have got btech cse with data science in amrita vishwa vidyapeetham faridabad and ece in Bangalore campus . Got btech cse with ai ml in chandigarh university and upes as well but upes has a very high fee of about 30 lakhs for 4 years including hostel . Scored 60/180 in comed k . I also thought about manipal jaipur but that requires 70% in pcm for btech cse and 60% for other branches I also considered colleges of noida and greater noida like bennet university because some of my seniors are already studying over there but I got to know from them that the environment there is not that serious for academics and all and they mostly spend their time in other stuff so I thought not to consider that college further . I am a bit confused and tensed and need some genuine advice . Please tell me what should be my further course of action.
Ans: You can look at the colleges where you have secured admission for cse (domain you are interested in) and evaluate. You mentioned you got admission to Amrita, so can look at that option. Last option would be to do BSc in Computers or AI and pursue your career accordingly.

..Read more

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Asked by Anonymous - Dec 12, 2025Hindi
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Hello, I am currently in Class 12 and preparing for JEE. I have not yet completed even 50% of the syllabus properly, but I aim to score around '110' marks. Could you suggest an effective strategy to achieve this? I know the target is relatively low, but I have category reservation, so it should be sufficient.
Ans: With category reservation (SC/ST/OBC), a score of 110 marks is absolutely achievable and realistic. Based on 2025 data, SC candidates qualified with approximately 60-65 percentile, and ST candidates with 45-55 percentile. Your target requires scoring just 37-40% marks, which is significantly lower than general category standards. This gives you a genuine advantage. Immediate Action Plan (December 2025 - January 2026): 4-5 Weeks. Week 1-2: High-Weightage Chapter Focus. Stop trying to complete the entire syllabus. Instead, focus exclusively on high-scoring chapters that carry maximum weightage: Physics (Modern Physics, Current Electricity, Work-Power-Energy, Rotation, Magnetism), Chemistry (Chemical Bonding, Thermodynamics, Coordination Compounds, Electrochemistry), and Maths (Integration, Differentiation, Vectors, 3D Geometry, Probability). These chapters alone can yield 80-100+ marks if practiced properly. Ignore topics you haven't studied yet. Week 2-3: Previous Year Questions (PYQs). Solve JEE Main PYQs from the last 10 years (2015-2025) for chapters you're studying. PYQs reveal question patterns and difficulty levels. Focus on understanding why answers are correct, not memorizing solutions. Week 3-4: Mock Tests & Error Analysis. Take 2-3 full-length mock tests weekly under timed conditions. This is crucial because mock tests build exam confidence, reveal time management weaknesses, and error analysis prevents repeated mistakes. Maintain an error notebook documenting every mistake—this becomes your revision guide. Week 4-5: Revision & Formula Consolidation. Create concise formula sheets for each subject. Spend 30 minutes daily reviewing formulas and key concepts. Avoid learning new topics entirely at this stage. Study Schedule (Daily): 7-8 Hours. Morning (5:00-7:30 AM): Physics concepts + 30 PYQs. Break (7:30-8:30 AM): Breakfast & rest. Mid-morning (8:30-11:00): Chemistry concepts + 20 PYQs. Lunch (11:00-1:00 PM): Full break. Afternoon (1:00-3:30 PM): Maths concepts + 30 PYQs. Evening (3:30-5:00 PM): Mock test or error review. Night (7:00-9:00 PM): Formula revision & weak area focus. Strategic Approach for 110 Marks: Attempt only confident questions and avoid negative marking by skipping difficult questions. Do easy questions first—in the exam, attempt all basic-level questions before attempting medium or hard ones. Focus on quality over quantity as 30 well-practiced questions beat 100 random questions. Master NCERT concepts as most JEE questions test NCERT concepts applied smartly. April 2026 Session Advantage. If January doesn't deliver desired results, April gives you a second chance with 3+ months to prepare. Use January as a practice attempt to identify weak areas, then focus intensively on those in February-March. Realistic Timeline: January 2026 target is 95-110 marks (achievable with focused 50% syllabus), while April 2026 target is 120-130 marks (with complete syllabus + experience). Your reservation benefit means you need only approximately 90-105 marks to qualify and secure admission to quality engineering colleges. Stop comparing yourself to general category cutoffs. Most Importantly: Consistency beats perfection. Study 6 focused hours daily rather than 12 distracted hours. Your 110-mark target is realistic—execute this plan with discipline. All the BEST for Your JEE 2026!

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Dr Dipankar

Dr Dipankar Dutta  |1841 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 13, 2025

Asked by Anonymous - Dec 12, 2025
Career
Dear Sir/Madam, I am currently a 1st year UG student studying engineering in Sairam Engineering College, But there the lack of exposure and strict academics feels so rigid and I don't like it that. It's like they don't gaf about skills but just wants us to memorize things and score a good CGPA, the only skill they want is you to memorize things and pass, there's even special class for students who don't perform well in academics and it is compulsory for them to attend or else the student and his/her parents needs to face authorities who lashes out. My question is when did engineering became something that requires good academics instead of actual learning and skill set. In sairam they provides us a coding platform in which we need to gain the required points for each semester which is ridiculous cuz most of the students here just look at the solution to code instead of actual debugging. I am passionate about engineering so I want to learn and experiment things instead of just memorizing, so I actually consider dropping out and I want to give jee a try and maybe viteee , srmjeee But i heard some people say SRM may provide exposure but not that good in placements. I may not be excellent at studies but my marks are decent. So gimme some insights about SRM and recommend me other colleges/universities which are good at exposure
Ans: First — your frustration is valid

What you are experiencing at Sairam is not engineering, it is rote-based credential production.

“When did engineering become memorizing instead of learning?”

Sadly, this shift happened decades ago in most Tier-3 private colleges in India.

About “coding platforms & points” – your observation is sharp

You are absolutely right:

Mandatory coding points → students copy solutions

Copying ≠ learning

Debugging & thinking are missing

This is pseudo-skill education — it looks modern but produces shallow engineers.

The fact that you noticed this in 1st year already puts you ahead of 80% students.

Should you DROP OUT and prepare for JEE / VITEEE / SRMJEEE?

Although VIT/SRM is better than Sairam Engineering College, but you may face the same problem. You will not face this type of problem only in some top IITs, but getting seat in those IITs will be difficult.
Instead of dropping immediately, consider:

???? Strategy:

Stay enrolled (degree security)

Reduce emotional investment in college rules

Use:

GitHub

Open-source projects

Hackathons

Internships (remote)

Hardware / software self-projects

This way:

College = formality

Learning = self-driven

Risk = minimal

...Read more

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