Bankers are being forced to find new ways to lower the number of student loan payback defaults due to the rising delinquency. The United Nations advocates for inclusive education, and policymakers highlight the need to attain this goal by creating a self-sustaining paradigm for financing education. Delinquency is anticipated by an attitude component called willingness to repay. In-depth interviews with Indian student borrowers were undertaken to investigate the worries of the students regarding loan repayment in an effort to investigate the attitudes of borrowers toward educational loan payback using a phenomenological research design. The data was consolidated and themes were visualized using software designed for qualitative data analysis.