Dr Jithendran S, Dr. Sreeanandan, Mr. Shajim M S, and Dr. Baranipriya A. “Factors Skulking Educational Loanees In Reaping Loan Utility: Evidences From Kerala”. Educational Administration: Theory and Practice 30, no. 4 (April 21, 2024): 3844–3856. Accessed May 18, 2024. http://kuey.net/index.php/kuey/article/view/2133.