19 Jun, 2021 11:44 AM

60k loans for MA or wait for better?

It is sad that I have no family or friends to ask their advice, literally no one so here I am asking people on the internet :( Option one: Finish 1.5 years left in my 2 year MA program. Total loan will be 60K. This means I will work non stop for 2.5 years to pay it all back. This means, barely any travelling, living like a student, I am 27, and working full time while going to school. I have done this for the first year and I can tell you I was so depressed and gained 20 pounds, no social life whatsoever. I leave home 7am and come home 8pm. I do like 5 or 10 years repayments plans as I plan to move abroad after my MA. Option 2: Break from the cycle, pay the loan I took for this year of my MA (20k), apply in next year cycle for MANY fellowships, assistant-ships, scholarships and not rest until I get in one so I wont have to take more 40K to finish my MA like in option 1. Downsize, it is not 100% guaranteed but very very possible, I have extremely strong application. Maybe even apply for a PhD right away since I am going for it anyway. Please, advice I have no one to talk with. Would really appreciate it. Thank you

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JA
19 Jun, 2021 01:12 PM

Good day Sir / Madam,
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