Your state
Why it matters.
The monthly instalment is designed to look affordable. Total cost, tenure and penalty clauses are where loans actually differ — and where borrowers get caught.
What success looks like.
- Two real offers compared on total repayment, tenure and penalties.
- The effective yearly cost of each offer, computed not quoted.
- A written choice with reasons you could defend to a family member.
The component skills.
Typical mistakes.
- — Comparing monthly instalments instead of total cost.
- — Ignoring prepayment penalties and processing fees.
- — Signing the first offer because the process felt urgent.
Practise — activities that produce artifacts.
Two-offer cost sheet ~40 min
Take two real offers (or the same offer from two lenders) and compute the total repayment of each — instalment × months + every fee. Put both on one sheet.
Artifact: The comparison sheet with totals
Find the hidden penalty ~30 min
Read one loan agreement end to end and list every penalty and fee you find — prepayment, late, processing. They're always in there.
Artifact: The list of penalties with clause references
Missions — do it for real.
Mentors for this capability.
Matched from real, opted-in DISHA members through the Mentor Intelligence Network — with their trust states shown as stored. Source-listed is not the same as verified.
No opted-in mentors match this capability yet — none are invented. See the Mentors view or the full directory.
How assessment works.
Every submission gets a transparent first-pass against the mission's rubric — what was looked for and what was observed. Verified state requires a real review; the system never upgrades self-reported evidence on its own.
composure
Notes on pressure moments and what reset you used
accuracy
Concrete numbers, units and exact values instead of vague amounts
completeness
All parts of the task covered — nothing skipped or assumed away
preparation
Preparation before action: rates checked, plans made, materials ready
follow_through
What happened afterwards — the result and what changed
process_correctness
Steps done in a sensible order, nothing skipped
Accepted evidence: mission_submission, mentor_review, observed_application, work_sample.
Stated plainly — what this doesn't do
- — Submissions are private, self-reported evidence — they never become verified without a real review.
- — Mentor review for capabilities arrives in a later phase of this module.
Source: DISHA MY LIFE SKILLS Module Master Specification v1.0 §4 · v1 · last checked 2026-10-24 · your data rights