Many students across Bihar face significant financial obstacles after completing their secondary education. Despite having the potential and interest to pursue higher studies, limited financial resources often force them to discontinue their education or settle for courses that do not align with their aspirations.
If you are experiencing the same situation, you are not alone.
To address this ongoing challenge, the Government of Bihar introduced the Bihar Student Credit Card (BSCC) Scheme, a transformative initiative to ensure that “financial limitations should never prevent a student from accessing quality education.”
To complement this initiative, Meri Shiksha provides complete end-to-end academic and loan guidance, ensuring that every student receives the right direction, smooth admission support, and a stress-free loan approval journey.
Below is a detailed, structured, and comprehensive explanation of how the BSCC Scheme and Meri Shiksha together empower students to pursue higher education without financial burden.
The Bihar Student Credit Card (BSCC) Scheme is a financial assistance program designed to support the higher education of students belonging to the state. Through this scheme, eligible students can receive up to ₹4 lakh as an education loan, enabling them to pursue undergraduate or postgraduate studies across various disciplines.
This scheme has become a reliable pathway for students to achieve their career goals without worrying about financial constraints.
Students can focus entirely on their academic goals without worrying about tuition fees or educational expenses. The government-backed loan ensures complete stability.
The scheme covers a wide range of courses—engineering, management, commerce, IT, media, agriculture, arts, science, and more. Students have the freedom to select programs that match their career aspirations.
Interest rates are extremely low, and repayment begins only after course completion and commencement of earning.
The DRCC-centered approval process ensures that students experience a structured and transparent system without complications.
Meri Shiksha provides professional and structured support at every step of the admission and BSCC loan process. Our objective is to ensure that students make informed academic choices and smoothly complete every stage of the BSCC journey.
Our counselors help students identify the right course by understanding their academic background, interests, strengths, and long-term goals.
We guide students to choose from recognized, reputable universities across India.
You can explore available programs on our website:
merishiksha.org
We manage the entire admission process—application, documentation, verification, and coordination—ensuring that no student faces delays or errors.
A complete checklist is provided, and our team ensures that every required document is accurately prepared for submission.
We assist with appointment scheduling, document organization, and preparation for the DRCC interaction.
The BSCC online application is completed with professional accuracy, and the status is tracked until approval.
Even after loan approval, Meri Shiksha continues to assist students with academic guidance, fee processing, and university coordination.
More program details are available at:
merishiksha.org
A professional career discussion helps finalize the suitable course and career pathway.
Students receive guidance on selecting the right university and securing an admission offer.
All required documents are prepared and organized as per the official BSCC guidelines.
The application is filled accurately, and documents are uploaded without errors.
Students attend the DRCC appointment with a complete file, guided by Meri Shiksha.
Upon successful verification, the loan is sanctioned.
The approved loan amount is transferred directly to the respective university.
The scheme eliminates financial pressure and ensures access to higher education regardless of economic background. It offers up to ₹4 lakh with minimal interest and delayed repayment, making education extremely affordable. Students are able to focus on academics without worrying about financial challenges.
Meri Shiksha provides complete end-to-end assistance—from counseling to admission, documentation preparation, application submission, and DRCC processes. This structured support minimizes errors and significantly increases the chances of timely loan approval. Students receive expert guidance at every step.
Yes, the BSCC Scheme covers a broad range of academic and professional programs, including BBA, B.Com, BCA, B.Tech, B.Sc IT, BA Journalism, MA Journalism, and several others. Students can select programs that reflect their interests and career goals. Meri Shiksha helps in identifying the best-fit program.
Meri Shiksha’s career counselors analyze your interests, academic strengths, skill sets, and future career prospects to recommend suitable programs. This ensures clarity and helps students make informed decisions. You receive a personalized academic roadmap aligned with long-term goals.
Repayment begins only after you complete the course and start earning, ensuring no financial pressure during your studies. The interest rate is minimal, making repayments manageable even during early career stages. The scheme is designed to support students, not create stress.