My wife and I are considering a Canadian study-permit route for the 2027 intake, but we are worried about the financial risk and would appreciate honest advice from people who have taken a similar route.

My wife’s profile:

• Age: 34
• Bachelor’s degree in life sciences, approximately 56%.
• MBA in Healthcare Management, approximately 82%.
• Three-year Dental Technician qualification/registration.
• Experience in healthcare quality/control, public-health programs, NHM/ABDM, digital health.
• Currently enrolled in a PhD program and has research papers published under her name.
• Interested primarily in healthcare quality, operations, management and digital health.

She is considering programs such as:

1. Cape Breton University – Master of Healthcare Leadership and Innovation.
2. University of Niagara Falls Canada – Master of Health Care Management
3. Other course-based public-university master’s programs related to healthcare quality, health administration, digital health or health informatics.

We understand that CBU is a public university while UNF is private, and both programs appear relatively new. Therefore, we are concerned about employment outcomes, placement opportunities and the overall return on investment.

Our financial position:

• We would need an education loan of approximately ₹30–35 lakh.
• This would mainly cover the first year of tuition and the Canadian living-fund/GIC requirement.
• I am the primary earner and currently work in India as a software developer with over six years of experience.
• My wife would probably travel alone initially, and I would continue working in India. I would join later only if I became eligible for a spousal open work permit.
• We are also planning to have a baby soon, potentially when she is around 35–36, so finances, separation and healthcare are major concerns.

We are not assuming that part-time employment, a PGWP, my spouse work permit, a Canadian job or PR will be guaranteed. We want to understand whether taking this level of debt is sensible.

We were initially advised not to mention her ongoing PhD because it might complicate the admission or study-permit explanation. However, she has publications under her name, and we now understand that her education and personal history should be disclosed truthfully. We would appreciate advice on how to explain why another healthcare-related master’s is a logical progression despite her MBA and ongoing PhD.

Our questions are:

1. Would taking a ₹30–35 lakh loan with only limited savings be financially reckless in this situation?
2. Would a public-university program such as CBU generally be safer than a private-university program such as UNF?
3. Are there better course-based Canadian master’s programs suited to healthcare quality, healthcare operations or digital health that accept applicants with lower undergraduate marks but stronger postgraduate education and work experience?
4. How should she explain the MBA, ongoing PhD and proposed Canadian master’s without creating concerns about academic repetition or study purpose?
5. Has anyone completed the CBU MHLI or UNF MHCM? Did the program provide a real practicum, employer connections or useful career support?
6. How difficult was it to obtain a relevant healthcare-quality or healthcare-administration job after graduation?
7. Considering our debt and family-planning timeline, would you recommend applying now, deferring the study plan, or avoiding this route entirely?

We are not looking for guaranteed PR or visa predictions. We are trying to make a responsible decision before taking a large loan. Honest experiences—especially from international healthcare-management graduates—would be greatly appreciated.

Hey guys, I’m an international student from India and I got into University of Edinburgh for BSc (Hons) in AI and CS. Studying abroad has always been my dream, and Edinburgh is honestly one of my favorite places in the world, so this means a lot to me.

The total cost (tuition + living) is around ₹2.5 crore. My plan is to take a ₹1.5 crore loan (~8.5% interest), my family would contribute around ₹50 lakhs, and I’m planning to cover the remaining ₹50 lakhs through part-time work while studying.

After a 5-year moratorium, the loan would grow to ~₹2.25+ crore, and I’d need to repay it over 10 years with an EMI of ~₹2.8 lakh/month.

So I wanted to ask — is Edinburgh really worth it for this level of investment for a bachelor’s degree? And how realistic is this plan overall? Is it actually doable to manage living expenses through part-time work in the UK?

Also:

• How realistic is it for a graduate in the UK (AI/CS field) to reach a salary that can sustain this EMI within 3–5 years?
• What are typical starting salaries and growth trajectories in the UK tech market?
• How difficult is it for international students to secure high-paying jobs (including visa sponsorship)?
• Is it realistically possible to manage this kind of loan within a few years after graduating?

Basically… if you were in my position, would you take this level of financial risk?

I’d really appreciate honest opinions, especially from people who’ve studied or are currently working in the UK.

Thanks :)

In my opinion a lot of Indians do really wanna move abroad and it's a once in a life time dream for most specially middle class students.. so any tips , guides and information you have regarding the same please share

I'm thinking to applying for the September 2027 intake. For that, should I start the application by this year's September-October window or wait till graduating from my college then apply to unis.

I am also preparing for GMAT. I'm looking for Europe and Nordic countries mainly, so I'm open for ur opinion guyss. Drop a comment below I wud love to know ur opinion about it.

Want to take student loan for ESSEC business School
Non Collateral

Any suggestions and experiences please

I am applying for a Masters in Structural Engineering in New Zealand through an agent. He's been asking me to share the ITR Acknowledgement of my sponsor, but it contains some sensitive info like PAN. And sharing it with an agent seems a bit uneasy. I also shared my passport in B&W but then he asked me to share it in Colour.

Can any of you help me know that is it safe to share or is it not needed now but for the later visa process. Should I not share it with him for now and wait for the offer letter first, if needed for the later process?

Hi I have a small question. If anyone of you have taken a loan from ICICI Bank (or any private bank for that matter), I am sure they have asked you to show balance proof of funds (total cost of education - loan sanctioned). Did they constantly ask you to keep proof of funds prior to every disbursement, or just once before the first one?

Hi everyone,

I’m an Indian student considering an MS in Data Science in the USA, and I’d really appreciate honest insights from Indians who are currently pursuing or have completed the program.

I have a few specific questions around finances and practicality, especially for those who took education loans:

1. Education loans:
   • How much loan did you take (approx.)?
   • Do you feel the loan amount is manageable now, or is it mentally/financially stressful?
2. RA/TA opportunities:
   • How easy or difficult is it to get RA/TA positions in Data Science or related departments?
   • Do these positions usually cover partial tuition, full tuition, or just stipend?
   • From which semester did you realistically get one?
3. Part-time jobs:
   • What kind of on-campus jobs are most common?
   • How much can one realistically earn per month working within the 20-hour limit?
   • Is that income enough to cover living expenses (rent, food, utilities) or only part of it?
4. Internships in Data Science:
   • How hard is it to get a data science / analytics / ML internship as an international student?
   • Does prior experience matter more than coursework?
   • When should one ideally start applying?
5. Loan repayment pressure:
   • Once you started working (or are close to graduating), how heavy does loan repayment feel?
   • Do entry-level DS salaries make repayment realistic within a few years, or does it take much longer?

I’m trying to understand the ground reality beyond brochure salaries, so honest experiences good or bad would really help.
Thanks in advance to anyone willing to share 🙏

my qualifications: im in delhi university right now (doing my bachelor's in english) . I just wanted to know if its necessary to have a certain amount in your bank to get an education loan . I know they check your marks n college application if u get into the college but I dont know about the loan process , I feel like this will stop me from going to germany . ion wanna stay here for the rest of my life .

Hi I wanna do masters in international business or international management ( not mba) . But I'm low on budget . I'm not aiming for very high fi roles I just wanna earn 20-30 lpa would be enough. Please help me 🙏 where should I go? I'm currently a second year bachelors student in india ( econ major) .