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Personal loan vs education loan for buying a laptop: which actually fits
An education loan covers laptops on paper. A personal loan covers them more practically. Here's the honest tradeoff for the ₹50K-₹1.5L laptop decision.
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Shankar Nath Director / CEO / Principal Officer, Securis Finance
Shankar co-founded Securis Finance with deep experience in technology and finance, also from Paytm. He focuses on building lending products that respect students' time and trust.
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Pro upskilling
Personal loan for CFA, FRM, or GMAT prep: when borrowing is worth it
Total prep + exam fees can hit ₹3-4 lakh for CFA Level 1+2, ₹2 lakh for GMAT. Here's a clean breakdown of when to borrow vs. save.
Shankar Nath •
College life
First-year college expenses checklist for Indian students (2026)
Tuition is the headline number. The other ₹50,000+ in first-year expenses rarely is. Here's the full list so you don't get surprised.
Shankar Nath •
Courses
Personal loan for Coursera Plus, Udemy, or edX subscriptions: when it makes sense
A Coursera Plus year is ₹35,000. An edX MicroMasters can hit ₹2,00,000. Here's when borrowing for online learning is worth it — and when it's not.
Shankar Nath •
Laptops
How to buy a MacBook on EMI as a college student without income proof
Apple's own EMI options need a salaried profile. Here's what actually works for a college student paying ₹85,000+ for a MacBook Air or Pro.
Shankar Nath •
How to apply
Securis loan eligibility — who can apply and what credit score you need
The honest answer: most college students and early-career working professionals qualify. Here's exactly what we look at and what you need to have ready.
Shankar Nath •