Journal Press India^®

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In the current financial circumstances, pupils in West Bengal most often use student credit cards to fulfil the requirements of their schooling and as further funding for their academic studies. This paper depicts a novel, multidimensional way to use student credit towards share trading, Systematic Investment Plans (SIPs), and such high-risk, long-term investments. The report further explains how these avenues, when safely organised, become the most rewarding in the long run, thereby encouraging the students to pay off education credits through prudent handling of finances. The component of the presented solution is to propose a coherent investment strategy that minimises market instability and, on the other hand, ensures potential long-term benefits. It is about investing part of student loans in equities and SIPs that consist of differentiated equity portfolios with the main aim of allowing the borrowers to create wealth and, at the same time, repay the loan. Moreover, the new model provides the rest of the excess profit for successful business startups, thus allowing students to be entrepreneurs after schooling. This is completely based on a Primary Study, and further information will be collected through student feedback and their engagement. The study explores how financial constraints and strategic risk-taking among youth can contribute to long-term growth. It also attempts to understand students’ interest in adopting sustainable investment practices alongside educational financing. It also emphasises the possibilities of financial instruments as the means of economic self-help and entrepreneurial development, which, thus, meet the desires of the young generation in a transitional global economy for financial independence. 

Keywords

Student Credit Cards, SIP, High-Risk Investment Plan, Educational Benefits, Sustainable Growth

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