Dr Jithendran S, Dr. Sreeanandan, Mr. Shajim M S and Dr. Baranipriya A 2024. Factors Skulking Educational Loanees In Reaping Loan Utility: Evidences From Kerala. Educational Administration: Theory and Practice. 30, 4 (Apr. 2024), 3844–3856. DOI:https://doi.org/10.53555/kuey.v30i4.2133.