For many Indian students, funding their U.S. education through loans no longer feels like a smart investment—it’s beginning to resemble a dangerous wager. With soaring tuition fees, steep interest rates, and a tough employment scene, that once-glamorous dream can spiral into years of financial strain, anxiety, and loneliness.

A Reddit post recently went viral for laying bare the harsh realities faced by international students in America. Written by a student with a Master’s degree, it urged caution. “From an Indian viewpoint—don’t borrow money to come here unless you’re truly ready. Many struggle to find solid jobs,” the user warned.

They noted that $30/hour falls short of covering essentials like rent, food, and insurance. In high-cost cities like the Bay Area, even a cramped shared room costs $600+ per person. Visa issues and unwilling employers make job hunting a bureaucratic nightmare. “Even perfect candidates are often ignored if sponsorship isn’t offered,” the post said.

Mental health challenges loom large. Therapists cost over $100/hour, often without insurance coverage. “I live paycheck to paycheck with a 12% loan interest rate… Falling ill here is terrifying when no one’s around to help.”

Despite applying to hundreds of internships, the student got just two interviews. They also highlighted unethical hiring practices and subtle discrimination, even from fellow Indians.

Still, moments of generosity exist—free meals from temples, churches, and community events.

Their closing message? “If you can endure all this, welcome aboard.”

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