I have an education loan in sbbj. Bank written off the account. Do I still need to pay it? I availed a loan of 11 lacs for my higher education in the year 2008 from state bank of India. I am told that I am eligible for an interest subsidy for the loan amount of 2009 which is around 5 lacs. However I have not filed any paperwork yet. Can I still file & claim it?