Well, when it comes to borrowing a loan in a middle-class family most parents try to avoid it. I too belong to a middle-class family and familiar with all situations that occur in every middle-class family. If you get an average IPU college like NIEC or any such, you should go with them. It will be for you.
It doesn’t really mean that Sharda is a bad college. Go for Sharda only if it is the only option for you. You can go for GB Pant if you are ready to handle the strict discipline and rules. It is quite easy to get admission to Sharda and get good marks but, one thing you don’t like about Sharda is the management.
If you are doing B. Tech for the sake of doing something/ degree, you can get into Sharda. But, if you really want to study and go into study stuff deeply you should try GB Pant, NIET, or any other IPU college.