u/Gullible-Raisin9718

Hi, I’m 23 (M) and I graduated in 2025. I’m planning to go to the UK for my master’s degree, but I’m feeling really confused about whether it’s the right decision.

Academically, I’m decent. Right now, I work in the IT sector in Nepal and earn around NPR 45,000 per month. The problem is that my family has a lot of debt—more than NPR 4 million (40+ lakhs). Because of that, I constantly feel pressured and don’t know what the right thing to do is.

With my current salary, almost half of it goes toward supporting my family and household expenses.

Today, I visited a consultancy, and they told me the total cost of studying in the UK would be around NPR 2.5 million (25 lakhs). When I discussed it with my dad, he said he would try to arrange the money, which would most likely mean taking another bank loan.

Thinking about that makes me feel like I shouldn’t go. But at the same time, I also feel that if I move abroad and manage to earn around NPR 100,000–200,000 per month, I could first repay my education loan and then gradually help clear my family’s debt.

I’m honestly very frustrated and mentally exhausted. I don’t know what the right decision is.

I’m the youngest in my family. I have three older brothers and one older sister. My brothers have been studying CA but haven’t qualified yet, so there’s not much financial support coming from them either.

From the outside, people assume we’re a big family with a good income, but the reality is very different. We don’t own a house or any land.

I’m not complaining, though. I actually feel privileged that I’ve been able to study this far and build a career. My biggest goal is to make sure these debts end with my generation so that the next generation of my family doesn’t have to carry this burden.

I’d genuinely appreciate honest advice from anyone who’s been in a similar situation or has experience with this. What do you think would be the better decision?

Hy, 23 (M) I am planning to go UK masters ko lagi, ma padhai ma decent nai chu, 2025 pass out ho.

Yata nepal ma IT sector ma job garchu mero salary currently 45k jasto cha. But, mero family mathy aaty loans haru cha almost like 40 lakh + jasto and aatynai pressurised feel huncha. K garni nagarni sochda.

Ahiley ko salary bata half amount ghar mai kharcha huncha.

Aja bhakhar consultancy ma kura garera aae, they said around 25 lakh jaty kharcha lagcha re, I talked about this ghar ma ani dad le vandai hunu huncha try garchu milauna vanera (which is taking another loan from bank)

Yo sab sochda ta najau jasto lagcha but again, bahirs gayo vaney 1 2 lakh kamai vayo vaney bistarai first aafno edu loan paxi ghar ko loan tirna sakchu jasto ni feel huncha.

Aaty frustration ma chu, khai k garni nagarni vairaxa.

I am not alone tho mero 3 ta dai ra euta didi xan ma kancho ho but sab paddai nai xaina CA gardai, nikleko xaina tara. Ali heping hand ni xaina ghar ma fere.

Herda thulo family ramro income hola jasto dekhincha tara truth ma kai ni xaina tyasto.

Nata aafno ghar cha nata land.

Not complaining tho, ma privileged nai feel garchu yaty padhera ya samman pugya chu vanera. So yo sab debt yo jhanjhat aafno generation samman matrai rakhna chahnchu, so that coming gen of my family lai tenson nahos.

Please someone give me genuine advice k garda better huncha..