Most banks do not charge a processing fee for education loan. Therefore if your bank asks for a processing fee you can request them to waive it off.
Again, in almost all cases, banks allow foreclosure or pre-payment of the education loan without charging a penalty if the borrower makes the payment from her/his own sources.
Many banks, especially government-owned, have special schemes for girl students. Some banks offer 1 per cent lower interest rate for girl students. So check with your bank about all special schemes.