Don’t let your bank bully you into starting EMIs early: A Guide to the "Education Loan Moratorium" for Abroad Students **The Situation:** Most Education Loans for abroad studies have a "Repayment Holiday" (Moratorium). When you first sign, the bank sets an *estimated* course completion date. If your actual graduation is later than that estimate, the bank might still try to trigger your massive EMIs early. **Do not let them.** **The "Fine Print" you MUST read:** Open your Sanction Letter and look for the **Repayment Clause**. It will state that the moratorium is **Course Period + 6 months** (sometimes 12). * **The Key:** The "Course Period" is defined by your **Actual Degree/Completion Date**, not the guess the bank made years ago. * **The Law:** Most major bank policies allow the course period to be extended for up to 2 years for academic reasons. If your degree award was delayed, your holiday moves with it. **What to do if the bank triggers your EMI early:** 1.…