The fee reimbursement scheme in Andhra Pradesh is generally not structured as a loan that needs to be repaid to the government. Instead, it is a financial assistance program where the government directly pays the eligible students' tuition fees to the colleges but only tution fees is reimbursed so students still face difficulties to pay the other expenses like hostel,mess, library fee etc.there are various education loan schemes include expenses apart from tuition fees You can apply for them the bank will verify your fee reimbursement details and assess your eligibility based on the remaining expenses you need to cover and then loan get pass.