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), 72-79. https://doi.org/10.69968/ijisem.2026v5Si172-79