Young Man’s Heartbreaking Struggle with Rs 40 Lakh Education Loan Goes Viral on Reddit

A Reddit post by a user named “The Tech Philosopher” has gone viral, touching the hearts of many. The young man shared his financial struggles after taking a Rs 40 lakh education loan to study abroad, only to return home jobless and overwhelmed with debt.

Dream of Studying Abroad Turns Into Financial Burden

In 2022, he took out a Rs 40 lakh loan to pursue his Master’s degree in the US. His father, who ran a small manufacturing business, and his family came together to help him achieve his dream. However, after completing his degree, he faced unexpected hurdles:

• Tough job market due to economic slowdown.
• Visa restrictions limiting work opportunities.
• Fewer internships available for international students, especially Indians.

I took an education loan of ₹40L to study in the US — now I’m back in India, drowning in debt, and don’t know what to do
byu/theTechPhilosopher inindia

Despite applying for jobs non-stop for a year, he barely earned enough to survive. His family had to send him money each month just so he could eat, draining their savings.

A Series of Unfortunate Events

Things got worse when his father’s business collapsed, and his father fell ill. With no financial support, he had no choice but to return to India, heartbroken and deeply in debt.

After months of job hunting in India, he finally landed a job paying Rs 75,000 per month. However, his loan EMI is Rs 66,000, leaving him with only Rs 9,000 to cover all his expenses.

To make ends meet, he is trying to find freelance and part-time work. His family business is running again, but the pressure of the loan remains.

Reaching Out for Help

Feeling hopeless and exhausted, he turned to Reddit, asking for advice, support, or job opportunities. He is actively trying to restructure his loan, looking for side gigs, and applying for jobs.

In his post, he mentioned his strong skills in Management Information Systems, Digital Product Management, Project Management, Strategy Consulting, UI-UX Design, AI Consulting, Marketing, and Sales. He confidently stated:

“If you are a recruiter or know someone who can help me get an interview at a good company, please DM me. I believe in my skills and know I can crack the interview if given the opportunity.”

Internet Comes Together

The post struck a chord with many, who offered guidance, job referrals, and words of encouragement. His story is a stark reminder of the challenges many students face when taking big loans to study abroad—and the uncertainties that come with it.