The rapid expansion of financial technology (Fin-Tech) has significantly transformed various industries, including India's higher education sector. As the world's third-largest education system, following the United States and China, India is experiencing a major shift in financial accessibility and management. The integration of digital platforms, mobile payment systems, and alternative financing solutions has improved affordability and inclusivity for students from diverse economic backgrounds. This study examines the role of Fin-Tech innovations in addressing key challenges such as accessibility, affordability, and financial inclusion in higher education. It highlights the impact of digital financial products, including student loans, scholarship management systems, and automated fee payment solutions, in reducing financial burdens on students and institutions. Furthermore, the research explores the potential of Fin-Tech adoption in India's education sector, emphasizing its role in promoting economic growth, financial literacy, and social mobility. The findings suggest that digital financial solutions enhance efficiency, reduce administrative complexities, and contribute to a more inclusive and sustainable learning ecosystem.