u/Creepy-Move-4395

I have done somewhat bad in sem 2 (prolly below 7) but i dont think im getting any back in sem 2 but i have one back in sem1 my cgpa is at 7.8 realistically do u guys think i cud get 8.5-9 by the end of my 4th year cuz im shit scared im unable to catch up with the guys here genuinely concerned on what to do

So i am applying for an education loan for arnd 12L (2nd 3rd and 4th yr) im mad scared for applying for it cuz what if i get cooked financially cuz the interest wud be arnd 1.2L per yr im shit scared has anyone else taken am education loan?