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- The PM-Vidyalaxmi Scheme allows students to obtain education loans for higher studies without providing property as collateral or needing a guarantor.
- The government provides a credit guarantee for loans up to 7.5 lakh rupees to encourage bank participation.
- Students from families with annual incomes below specified thresholds can receive interest subsidies on their loans.
- The entire application process for the scheme and loan status tracking is conducted online through an official portal.
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