Hi,
I have taken Education Loan of 3 Lakhs four years back from PSU bank and I haven’t paid any interest still now due to Family problem. Although, I havent got any letter or call from bank regarding the repayment. I am willing to start my repayment this year. Will it affect my credit history. Also, will it get updated in CIBIL. Also, banker is telling they can extend the tenure to 3 more years due to my family problem. Will this have any effect in my credit history. Kindly clarify.