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):3844-56. https://doi.org/10.53555/kuey.v30i4.2133.