Devdeep Sikdar 2026. A Critical Evaluation of the Financial Prudence and Crisis-Readiness of the Bihar Student Credit Card Scheme in Patna District: Implications for Sustainable Educational Financing and Long-Term Human Capital Development. International Journal of Innovations in Science, Engineering And Management. 5, 1 (May 2026), 72–79. DOI:https://doi.org/10.69968/ijisem.2026v5Si172-79.