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EducationalLoanNeedsReview
Jun14,2015

44

EducationalLoans&itsRepaymentsisdefinitelyaveryseriousmattereverywhere
intheYouthWorld.
ThiscanbeLinkedWithTheCSRCorporateSocialResponsibilityofMNCsetc
withTotalTaxexemptions.
InOurIndiaGOIWaivedOffUnpaidEducationalLoansForThePeriodDt1.4.2009
ToDt31.12.2013UnderNonPromisingAssetsVideGOIGazzetePublishedDt
17.02.2014.AdditionallyUnderSection80EPaymentofInterestonEducation
LoanTakenForSelf,Spouse&ChildrenHigherEducation(FullTimeCourse)is
alsoAppreciablyExemptedYetitisNotForOnlineCoursesWhereasVariousTop
ClassOnlineCoursesareavailable.whichsuitsforEmployeesalso.
TheConceptofEducationalLoanisVeryNiceYetitmustbeReviewedforAll
Domestic&InternationalStudentsEveryWherewiththeLargerParticipationofThe
respectiveGovernmentsandConsiderationsfortheReductionsinTheRateof
InterestsonEducationalLoans.

***TheIncreasedTimePeriodsofWorkPermitsincaseofInternationalStudentsfor
TheBorrowerStudent&HisWifemustbeAwarded.
WhenanyStudentpursueHigherStudiesincaseofsayEngineeringorInSTEM
Category,HisAgeincreasestoaround30sso.ThereforeNaturallyHe/Shehasto
MarrytosetUpTheirFamilyLife.
HenceSimultaneouslyIfTheInternationalStudentgetsmarriedduringStudentship
orjustafterCompletionofHis/HerEducationHerwifemustbeallowedtoWork
withoutanyLapseofTimesoatleastTheycanJointlyRunTheirNewlySetUp
FamilyTreeandalsoenabletoRepayTheEducationalInstallmentswithout
compromisingTotheirVeryBasicNeedsofHumanLifei.eRentedHome,Their
Expensesrelatingtheir1stDreamChild,Foods,Cloths,Books,Toys,Entertainments
andDailyRoutineLifeOtherEssentialCommodities.
NoStudentmustbePenalizedForhis/herEducationalbackgroundEnhancements.
TheInternationalStudentsaresomuchOverloadedwiththeRepaymentsofThe
InstallmentsofTheirEducationalLoansThatTheyStartFeelingLiving"Below
PovertyLines".ThisSentimentProveshavingNegativeImpactsinTheirEnthusiasm
&QuiteeffectivelyreducetheirHappiness.
AllGovernmentsWorldwidearedoingtheirBestEffortsinTheTuitionFee
ReductionsandConsideringorApplyingVariousManyOtherVeryGoodReforms
FortheStudent'sWelfare.AllSuchStepsareHighlyAppreciated&Welcome.
In"EducationalLoanRepaymentsoftheInstallments"ItmaybesharedByThe
MNCsorTheFirmsUnder"CSRwithenjoyingAppropriateTaxExemptions".
IfAfterTheCompletionofTheEducationalCyclewithTheAssistanceof
EducationalLoan,AGuygetsEmploymentinMNC&He/SheWorksVeryHardto
establishHis/HerReputation,PositionofRespects&ForTheFutureCareer
Prospects&Growth.InTurnHeWorksbeyond12to16HrsaDaywithoutAnyLife
WorkBalance&ReturnsEarningHugeProfitstoTheEmployerMNCsButTheiris
NoParticipationofthisEmployerMNCsinHis/HerEducationalLoanRepaymentsin
anymanner.WhichmustbeBroughtintotheScanner.
LastweekIDiscussedToaMNCTopNotchInchargeOfCSRaboutSharingCSR
AppropriateComponentforEducationalLoanRepaymentsofTheirYoung
Employees&SheRefusedSayingWeHaveMoreImportantIssueslikeEducation,
Poverty,CancerandOtherHealthIssuesForSpendingOurCSR.!
EducationLoanisaPartofMissionEducation.
WellAllGovernmentshavetoInspireMNCstoLinkCSRWithAppropriateTax
ExemptionstoFrameaBalancedCycleof"EducationLoanEmployment
RepaymentsTaxExemptions."
ThereforeWithoutSuchClearcutRegulations&AmendmentsNoChangeinThe

TendencymaybeExpected&StudentwillhaveNoSupportfromHis/HerPrincipal
EmployerTowardsHis/HerEducationalLoanRepayments.
CommentsPrayed.
IfAgreeExpectSupportsfromallConcernedTopBrass&Administrators.
ThankU.

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divyakantmishra
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AUTHOR YOU

ExecutiveEngineerWRDGovernmentofMPIndia
RespectedAlexRankovicSir&MadameBestRegards.ImThankfulForYour
RecognitionofTheIssuesRoaminginMyHeartswhicharesimplyemergedOutof
MyExperience&ampNaturalThoughtProcessForTheBettermentsReshaping
TimeforOurFutureGenerations.ImAround60sYearssosimplywishThingsmust
beScreenedandResolvedQuickly.ThereforeImostHumblyPrayToPursueUsing
YourallLinks&ampMeansandResourcesinviewofOurNextGenerationWelfare
inRealTermsinRealTime.ItwillProveHelpfulforOurNextGenerations.UrDoinga
GreatWorkofMotivation.ItsaVeryVeryDifficultJob.LetsHopeGoodReforms
justByIssuingPartiallyModifiedRegulationsWithoutChangingLaws.Perhapsits
TheeasiestwaytoaddressandSolveanyProblemOtherThanMedicalProblems
likeCancer,Alzheimer,Diabetes,Polio,Aidsetc.Just1MeetingofTopLevelAdmn
OfficialsareRequiredtoDiscussandPassaNeatlyTypedOrderonaPieceofa
Paper!!!ThisPieceofaPaperweighsmorethanAnyCurrencyasitwillBring
UltimatePositiveChangeinTheLifeofTheBeneficiarywhoareNoneOtherThan
OurPromisingNextGenerationBoys&ampGirls.TomorrowTheyReplaceus
SilentlyandRespectfullyandHumanRaceProgressCycleGoeson.Thankx.Reply
IfUcan.BestRegards.
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19daysago