1. You have to take educational loan to accommodate your tuition fee, living cost and other medical expenses 2. But once you landed in a job, for the first few years of salary will be used to clear your debt, the rest upcoming salaries will be your best returns. So higher ROI. 3. Try to get into a public university so there is either no tuition fee or less fee. 4. If you already don’t have big commitments, debts and dependent parents, higher studies overseas is an wonderful opportunity for you. 5. Two mindset: Either you work , save more and return back to your home country or gonna settle there? 6. Best countries which help you to achieve higher studies very affordable for any middle class. German - tuition fee:0-1500 euro ; living cost - 800 euro Norway - no tuition fee, but high living cost - 1500 euro Iceland - same as Germany , Norway, Poland, Spain and Iceland. 7. You will be learning on how to take care yourself in this process, and international exposures and cultures. 8. ...