An Indian graduate has shared his ordeal of taking a ₹40 lakh education loan to study in the US, only to return home burdened with debt and bleak career prospects.
His viral Reddit post, titled “I took an education loan of ₹40 lakh to study in the US – now I’m back in India, drowning in debt, and don’t know what to do,” has sparked discussions on the risks of studying abroad.
Despite earning a Master’s in Management Information Systems, he struggled to find a job in the US due to economic downturns, visa restrictions, and a tough job market. His family, already financially strained, sent him money for survival, worsening their own hardships. When his father’s business suffered losses and his health deteriorated, the student had no choice but to return to India—jobless and weighed down by debt.
Now employed with a ₹75,000 monthly salary, he faces an EMI of ₹66,000, leaving him with just ₹9,000 for living expenses. Emotionally and physically drained, he is seeking side gigs and exploring loan restructuring to stay afloat.
Desperate for solutions, he turned to Reddit, hoping for guidance and job opportunities in Tech Product Management, AI consulting, and related fields. His story has ignited debates on the financial risks of foreign education and the reality check many students face.
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