Need advice on education loan repayment 🙏🏻

Hi everyone! I need some advice regarding my education loan repayment strategy.

• Loan amount disbursed so far: ₹3.52 lakh (total sanctioned ₹5.5 lakh although I have used only 3.52 L)

• Interest rate: 11.15%

• Course: July 2023 – July 2025 (moratorium till Dec 2026, EMIs of ~₹3,055 scheduled for 15 years 😬)

• I am thinking to start repaying early from October 2025. Also my moratorium period will start from January 2026.

👉 My question: If I pay ₹10,000/month from Oct 2025 (instead of waiting till moratorium ends), will this really help me finish my loan faster and save interest? Or should I just stick to the moratorium and start EMIs in 2027?

Would love to hear from anyone who has been through a similar situation or has experience with loan repayments pr if you can suggest me to the smartest way to repay a loan amount.🙏