If anyone got educational loan between the year of 2009-2014 they must visit the concerned bank with ur bank passbook and with your father/mother to utilize the Interest Subsidiary Scheme(ISS) which was announced by Govt. The benefit of this scheme is a part of interest to be cancelled by the government. Last date of the scheme is 15/09/2015.contact your branch soon..use the benefit… http://mhrd.gov.in/sites/upload_files/mhrd/files/upload_document/IBAM.pdf