Hey !

I understand your problem very well and i advise you not to worry at all because  there are many other ways to get admission in manipal or thapar university without paying high fees if you really deserve this college. First way is by applying through management quota but thats not possible for all students . And the second and the best method is by applying for scholarships.

Firstly talking about manipal university , With the objective of encouraging meritorious students and academic excellence, scholarships are offered for deserving candidates in this university. The quantum and the number of scholarships are subject to change from time to time. Changes, if any will be updated in University website.

1.  Free-ship and Merit-cum-means scholarship

1.1  MBBS and BDS

1.2  BTech and BPharm

2.  AICTE Tuition Fee Waiver Scheme

3.  Scholarships for Academy of General Education Students (SAGES)

4.  Merit-cum-means scholarship for BTech lateral entry students from Manipal group Polytechnic Institutions

5.  Scholarship for Konkani speaking students / students studied in AGE colleges

6.  Scholarship scheme of interest subsidy on education loan for MAHE students

7.  Scholarships for Nursing students

8.  Scholarships for School of Information Science (SOIS) students

9.  Kadambi scholarship

10.  ITC scholarship

For full details about these scholarships , go through the following link :

https://manipal.edu/mu/admission/indian-students/scholarship.html

Now coming to thapar university ,various scholarships are granted by thapar university as well like Central Sector scholarship of top class Education to SC students ,POST MATRIC SCHOLARSHIP FOR SC, OBC AND MINORITY COMMUNITY STUDENTS FOR THE YEAR 2017-18,SDPC SCHOLARSHIP etc.

For more details about scholarships offered by thapar university , go through the following link :

http://www.thapar.edu/admissions/pages/scholarships

Hope it helps!

Look dear, if you are getting Thapar University then go for it, it is quite better that manipar. Now coming back to your question, you can apply for student loans moreover there is also a scholarship available on the merit-based inside the college, so you can try for that also. Moreover, there are some schemes of national and state government which provide scholarships to SC/ST and OBS and Girls students. And if you general also do check for government seams for meritorious students.