Is a master's abroad the only realistic way out of India — and is the loan worth it?

It is not the only way, and a ₹30–50 lakh loan deserves cold-blooded analysis. A master's makes sense when the degree itself boosts your career and post-study work rules give enough runway — note the UK's Graduate Route is shortening to 18 months for most from 2027. Alternatives exist: skilled workers with a few years of experience can qualify for Canadian permanent residence through Express Entry with no foreign degree at all. Compare total cost against each path honestly.