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!

reddit.com
u/Positive_Stickk — 4 days ago
▲ 0 r/IndiansStudyAbroad+1 crossposts

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 background:

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.

I also work as uiux designer ( can work part time)

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, 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!

reddit.com
u/Positive_Stickk — 4 days ago

Looking for pg in noida in any sector

Hey,

I'm moving to noida and looking for safe, clean pg/flat for girls.

Requirements are:

budget is 10k-12k.

near metro station

No hidden/extra charges

Food included

Please let me know if any hidden electricity bill and extra charges

Safety and security

Any notice period for living pg

Thank you in advance ✨️✨️

reddit.com
u/Positive_Stickk — 7 days ago

Am i [F25] jealous or scared of my boyfriend [M22]

My boyfriend and I planned to go to Japan this month. We've been planning this since last year. Back then, neither of us had a job. A few months ago, he finally got the job he had been struggling day and night for. I stayed up with him through all those late nights while he searched and applied for jobs.

At the same time, because of my family issues, I was struggling even more. It was hard for me to attend meetings and focus on finding work. I was dealing with things mentally, emotionally, and financially because I don't want to depend on my father for money.

We've been in a long-distance relationship for the last 9 months, and I've been dying to meet him. But all my problems are still there. I don't have money. He earns now, but I don't want to spend his money. When he told me to apply for a Japan visa so we could go together, I already knew what would happen. How could I enjoy a trip for a few days while spending his money the entire time? I don't like asking for everything.

I also knew my visa situation wasn't strong because my father never maintains a proper bank balance. Still, my boyfriend kept insisting, so I applied. I submitted ITRs where one account had less than 1k because my father had emptied it for his own reasons, and the total amount was around 8 lakh. Then I submitted another bank statement with only around 2 lakh in it.

Deep down, I knew those documents weren't enough, especially because I'm unemployed. Honestly, I didn't even want to apply. But my boyfriend kept saying, "We'll get one week together, we'll enjoy, and you can apply for jobs from there." That made me angry. Why would I apply for jobs there? If we're going to Japan for just a few days, I want to enjoy it and explore with him. How would we even have enough time to do job applications?

Still, I applied for him. I even skipped looking for a PG/flat during that time, even though I had literally been hospitalized for two weeks because of my house environment and family issues. I'm still struggling with all of it.

Now, I got my visa rejection email. My time got wasted, and his passport collection hasn't happened yet, so technically we don't know his result. But I already know he'll get approved because his documents were much stronger than mine. And now he's going to Japan alone.

I feel so, so, so bad for myself. He gets to do the things he loves, and I can't keep up because I'm constantly struggling with my own life. I'm not saying he shouldn't go alone. I'm genuinely so excited for him because this will be his second international trip. But this time he'll be going without me.

I can't stop thinking about those 10-hour flights with no contact and the distance between us. I want him with me. I want him by my side, even if we're fighting on the plane. I just don't want him to go alone this time. We've already been long distance for so long.

I've literally been crying this entire month. I know he's not moving there forever, but I don't know how to explain what I'm feeling right now. I love him so much.

The funny thing is, when I was angry, I prayed so many times for my visa to get rejected and for him to go alone. I even thought, "Then he'll know what it feels like without me." 😭😭😭

But now that it's actually happening, I feel terrible.

The truth is, if he decides not to go because of me, I'll never forgive myself. But if he goes, my heart hurts too.

Oh God, I just want peace. And honestly, I think I'm the toxic one this time.

And I'm also scared... what if someone tries to flirt with him while I'm not there? 😭😭😭😭

HELP MEEEE!!!!!!!!!!!

reddit.com
u/Positive_Stickk — 12 days ago
▲ 4 r/visas

Japan visa email, I need clarification

Got an email from vfs 3 days ago before this one about dispatched item (passport), i don't know not feeling good but not assuming anything, passport will deliver tomorrow but I don't want any bad news 😭

u/Positive_Stickk — 14 days ago

Met my boyfriend after 9 months, and neither of us was prepared for what happened

I met my boyfriend after 8–9 months, and when he saw me, he was so disappointed and hurt that he cried.

​

​

For some background, I come from a family where my parents never really took care of me. Since childhood, I've struggled physically and mentally because of my home environment. I've been hospitalized multiple times, and almost every part of my life has been affected by it my health, career, hobbies, and even my social life.

For me, getting away from that house was always the goal. Even basic things like eating three proper meals a day felt difficult there. After graduation, my plan was simple: get any job, even if it paid only ₹15k per month, or go for a master's degree anything, as long as I didn't have to go back home.

​

My boyfriend didn't fully understand how bad things were at home, so he encouraged me to return after graduation. He thought I could peacefully focus on work-from-home opportunities or prepare for better career options there.

​

In the first month, I genuinely tried. I applied for jobs, looked at universities, and worked on my future plans. But months passed, and there were so many problems happening at home simultaneously that I couldn't focus on anything. Slowly, I started feeling suppressed, hopeless, and emotionally exhausted. Deep down, my body and mind were constantly telling me, "Please get away from this place," but I felt trapped and couldn't leave.

​

After some time, my health started getting worse. I became very weak. Then suddenly I developed severe stomach pain that lasted for days. I was vomiting constantly—after waking up, after eating, after drinking water—for more than a week. Eventually, I went to the hospital and ended up being admitted for over two weeks. My hemoglobin had dropped to 9.

Mentally, I already knew why I had reached that point. I was missing him, missing myself, missing my peace, and feeling like I was losing my career and future.

​

When I was hospitalized, my boyfriend became very worried and promised he would come see me as soon as I was discharged.

​

But before meeting him, I kept thinking about how much I had changed. I didn't look like myself anymore. My mindset had changed. I felt hopeless and emotionally numb.

​

Eventually, we decided to meet anyway. We both traveled around 10 hours from our different hometowns to see each other.

When we finally met, all I could see on his face was disappointment and pain. He cried after seeing me. He said so many things and tried so hard to reach me emotionally, but I felt completely blank inside. I cried nonstop too, but it felt like eight months of bottled-up emotions coming out all at once.

​

I barely said anything, yet somehow he understood everything.

After spending time together, we both went back home.

I'm writing this 4 days after meeting him. I'm feeling a little better now, but I still can't stop thinking about that moment.

​

(I used gpt to paraphrase it, also i went with my brother coz i was not that good enough to go alone that's why my boyfriend and I didn't get time to see or feel each other )

reddit.com
u/Positive_Stickk — 21 days ago