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5mo ago

Indian Graduate’s Debt Struggles Go Viral After Failed US Job Search

A Reddit post by a 27-year-old Indian graduate highlights the financial and emotional toll of a ₹40 lakh education loan, sparking widespread discussion online.

An Indian man opened up about his failed job search in the US
An Indian graduate shared his US education loan struggle on Reddit.
The 27-year-old user said that he took an education loan of ₹40 lakh in 2022 to pursue a master's in the US.

Overview

  • The graduate took a ₹40 lakh loan in 2022 to pursue a Master's degree in the US but returned to India in 2024 after failing to secure a job due to economic recession, visa restrictions, and limited internship opportunities.
  • His family, who financially supported his education, faced severe strain, including the collapse of his father's small business and his father's declining health.
  • Now employed in India with a monthly salary of ₹75,000, he struggles to manage a ₹66,000 EMI, leaving him with just ₹9,000 for personal expenses.
  • He is seeking freelance work, loan restructuring, and community support but has yet to find effective solutions to ease his financial burden.
  • The graduate’s story, shared on Reddit, has gone viral with over 2,000 upvotes and 400 comments, sparking empathy, advice, and warnings about the risks of large education loans.