Dr. Jithedran S. Assistant Professor in Commerce, is at present working in Government College Ambalappuzha, Kerala. He has twenty years of teaching experience which includes services in Royal Government of Bhutan. Ministry of Education, Maldives and Bharati Vidyapeeth, MS other than Kerala.  He has his Research Degree in Higher education Financing from University of Kerala and published many research papers on students loans and State Policies on Higher Education, Issues of visually impaired and phycho-social competence of Differently-abled. Facts and Fallacies on Educational Loanees'   is his maiden work based on his research experience in Kerala. Besides, teaching the other areas of interests include motivational talks and social work.