Due to lack of awareness and misinformation on social media, many students misunderstand the Bihar Student Credit Card Scheme (BSCC). As a result, they either avoid applying or make serious mistakes that lead to rejection.
This article clears the most common BSCC myths, rumours, and fake information and explains the truth with verified facts. If you are planning to apply for BSCC, reading this guide can save you from costly mistakes.
For complete scheme understanding, first read the BSCC overview page .
Myth 1: BSCC Is a Scholarship
Truth: BSCC is not a scholarship. It is a government-backed education loan that must be repaid after course completion.
Confusing BSCC with scholarship often leads to repayment shock. To understand the difference, read: BSCC vs Scholarship – key differences .
Myth 2: Only Poor Students Can Apply for BSCC
Truth: BSCC is not income-restricted like scholarships. Middle-income families can also apply, provided eligibility criteria are met.
Check eligibility here: BSCC eligibility criteria explained .
Myth 3: Repayment Starts Immediately
Truth: BSCC repayment starts only after course completion. A moratorium period is provided so students can find employment first.
Detailed rules: BSCC timeline & repayment stages .
Myth 4: All Courses Are Automatically Approved
Truth: Only approved professional and technical courses are eligible under BSCC. Distance learning and unrecognized courses are usually not approved.
Always check: BSCC approved & not approved courses .
Myth 5: DRCC Is Optional
Truth: DRCC verification is mandatory. Without DRCC approval, the BSCC application will not be forwarded to the bank.
Understand DRCC clearly: Role of DRCC in BSCC .
Myth 6: Bank Rejection Means Permanent Failure
Truth: Most BSCC rejections are temporary. After correcting mistakes, students can reapply and get approval.
Follow solutions: BSCC application rejected – reasons & solutions .
Myth 7: BSCC Cannot Be Used Outside Bihar
Truth: BSCC can be used for approved colleges outside Bihar as well, provided course and institution are eligible.
Full guide: BSCC for colleges outside Bihar .
Why BSCC Myths and Fake Information Spread
- Social media misinformation
- Unverified coaching advice
- Lack of official awareness
- Students skipping DRCC counseling
Always rely on verified sources like official BSCC overview and expert guidance.
BSCC Myths – Frequently Asked Questions
Q. Is BSCC a free loan?
Ans. No, BSCC must be repaid, though interest subsidy is provided.
Q. Can rumours cause rejection?
Ans. Yes, wrong advice often leads to wrong course or document selection.
Q. Where should I verify BSCC information?
Ans. Always verify through DRCC or trusted sources like Meri Shiksha.
For verified guidance, always refer to the BSCC overview page .