Can i go for study abroad? Is studying abroad really worth taking a ₹20–25 lakh education loan in 2026? (UK, Australia, Canada or anywhere else)
Hi everyone,
I'm feeling quite confused about whether I should pursue a master's abroad this year, and I'd really appreciate honest advice from people who've actually gone through this.
My_qualifications:
B.Pharm graduate (2025)
Around 70.4% (no backlogs)
Currently unemployed
Interested in pursuing a master's in a pharmacy-related field such as Medical Affairs, Regulatory Affairs, Clinical Research, Pharmaceutical Sciences, Digital Health, or similar.
My long-term goal is to build a career and eventually settle abroad.
The biggest issue is finances.
To study abroad, I'd most likely need an education loan of around ₹20–25 lakh (or possibly more depending on the country and university). That's a huge amount for me, and I'm worried about whether it's actually worth taking such a financial risk.
Initially, I was considering the UK, but after reading many Reddit posts, I've become uncertain because a lot of people mention struggling to find graduate jobs and eventually returning to their home country with a large loan still to repay.
Now I'm open to any country—UK, Australia, Canada, Ireland, Germany, New Zealand, or anywhere else—as long as it offers better long-term career prospects and makes financial sense. I'm also open to different universities if they're known for good outcomes.
My questions:
Which country currently offers the best return on investment for international students?
Is the UK still worth considering in 2026, or are countries like Australia or others a better option?
How difficult is it to find part-time jobs as an international student?
Can part-time work realistically cover living expenses, or is it just a small contribution?
How difficult is it to get a graduate job after completing a master's?
If you took an education loan, do you regret it, or was it worth it?
How long did it take you to repay your loan?
If you couldn't find a job abroad and had to return to India, how difficult was loan repayment?
I'm not looking only for the "best-ranked" universities. My priority is making a practical decision that gives me a realistic chance of getting a good job, repaying my loan, and building a stable future abroad.
I'd really appreciate hearing real experiences rather than information from university marketing pages.
Thank you in advance!