03/03/2016

Financially,isitworthitforamiddleclassIndiantogetanMSintheUSA?Quora

Master'sProgramsintheUSA

Master'sProgramsinComputerScience

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Financially,isitworthitforamiddleclassIndiantoget
anMSintheUSA?
I'maBECSgraduateandhavebeenworkingatanMNC(projectinSAPBI)sinceayear.
Mycurrentpackageis3.5Lpa.OfcourseI'mnothappywithit.
Ihadn'ttakenmyEngineeringseriouslyandlikemostofthestudents,studiedjusttopass.
Nowisomehowfeeltheneedtounderstandtheconce...(more)
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19Answers
NisthaTripathi,MSCSfromUIUC,halfMBAfromNYU,authoredabookMSfor
Indianengineers
21.9kViewsNisthahas4endorsementsinGraduateSchoolEducation.
NisthaisaMostViewedWriterinMaster'sProgramsinComputerScience.

IhavewrittenaboutithereUnderstandingMSFinancesScholarStrategy and
covereditthoroughlyinMSBOOK:SmartEngineer'scompleteguidetoMSinUSA
Highlights
Insimpleterms,thesalaryonecanexpectbyworkinginUSAismuchhigher
thaninIndia.ThisisaconsequenceofhighervalueofDollaraswellasthehigher
valueoflaborinUSA.Plus,toyourbenefit,engineeringjobopportunitiesareon
therisethesedays.Itremainsoneareathathasbouncedbackstronglyafterthe
recessionof2008.
https://www.quora.com/FinanciallyisitworthitforamiddleclassIndiantogetanMSintheUSA

IsitworthittospendRs5060Lacs(ifyou'renot
gettingascholarship)fordoingaMSintheUSAwhen
itisgettingdifficulttogetavi...
IstheMSITMprogramatUTDallasworthinvesting
INR30lacsforanaverageIndiancomputerengineer
(fromatypicalmiddleclassfamily)wo...
IsitworthtodoanMSin
telecommunications/CommunicationsintheUSA?
WhatdoesanIndianstudentfromamiddleclass
familyneedtoachievetostudyintheUSA's
CaliforniaStateUniversity?
HowcomplicateditistostudyintheUSforamiddle
classIndian?
Iama22yearCSEundergraduategirlplacedina
leadingMNC.IbelongtoamiddleclassIndianfamily.
IwanttodomyMSfromanyofthewo...
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Financially,isitworthitforamiddleclassIndiantogetanMSintheUSA?Quora

Goodstudentsfromwellreputedgraduateprogramscanexpectastartingannualsalary
of$75,000withhighestofferscrossingsixfiguresmark.Asperthistablecompiledby
MichiganTechCollegeofEngineeringbasedonthedatafromUnitedStatesDepartment
ofLaborReportofOct2013,thestartingsalariesarestupendousforsomeonewhohas
livedinIndia.
2015EngineeringSalaryStatistics

IfyouareconcernedaboutfinancesofmanagingaMastersdegreeeducation,a
goodwaytostartistounderstandhowlongwillittakeyoutorecoveryour
expenses.Forthis,weneedtounderstandwhattotalexpensesyouarelikelyto
incur,whatkindofincomeareyouexpectingaftergraduationandhowmuch
canyousave.ThisisknownasbreakevenanalysisandIhavecovereditindetail
inthebooksothatyouknowwhattoexpect.Doingthisanalysisusingthetoolsin
thebookwillletyoufeelmorecomfortableaboutthedecision.

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QuestionStats
147Followers
97,937Views
LastAskedSep14
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Fore.g.ifyouarespending$77000onyourMS(tuition+living+interestonloan),
getting$14000insummerinternship,payinga12%interestrateonyourloanofRs20L,
graduatingin4semestersandsaving40%ofyourposttaxsalary($84000p.a),itwill
takeyouroughly3.15yearstobreakeveninworstcase.Ifyoufindanyassistanceoron
campusjob(whichisveryfeasibleandagain,discussedinthebook)orgraduatingin3
orfewersemesters,youcanbreakeveninfewmonthsorayear.

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Financially,isitworthitforamiddleclassIndiantogetanMSintheUSA?Quora

Thedetailsofthecalculationsarecoveredinthebookandyouareprovidedwithasheet
(snapshotabove)thatshowsyouexactlyhowlongwillittaketorecoveryourinvestmentin
theGradSchool.
Educationisnotanexpensebutaninvestmentinyourself
AnotherpointisthatIconsideredmyMSfeeasaninvestmentandnotanexpenseandif
thatishowyoulookatit,thenyourealizethatitsnotthemoneythatissinkingdownthe
drainbutyouaregainingskillsthatmakeyouemployable,acredibledegreeintheresume
andagreatbrandnametohelpyoustandoutinthecompetition.Imagineapplyingfora
jobwithacredibleinternationalgradschooldegreeinyourresume.Whoistheemployer
goingtorecruit?YouwithareputeddegreefromUSorsomeonewitharelativelyunknown
degreeinIndia?Andwithalittlehustle,youcanmanagefunding.
Hopethishelps.
WrittenJul15,2015ViewUpvotes
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DhwaneetBhatt
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23.5kViews

Whatisyouraim?
Haveabettersalary
Learntheconceptsbetter

BothofthesecanbesatisfiedwithoutoptingforMS.Ialsobelongtoamiddleclassfamily,
Iwasinthesamepositionasyou3yearsbefore,Ihadasalarylesserthanwhatyouhad
andworkthatIdidnotenjoy.IevaluatedMSanddidnotpursueitforthesereasons:
Toofarawayfromfamilyfortoolongtime
Costsalot(bigfactor)
Iwantedtocomeback,didn'twanttobeinUSfordoingjob,butthatis
impracticalasMSfresherdoesn'tgetrespectablesalaryinIndia.

So,Istartedstudyingonmyown,clearedmyfundamentalsofdatastructuresand
algorithms,startedmakingsideprojectsinthetopicsIhadloved,andthusbeganthe
upwardjourneyofmyknowledge.Ialsoclearedafewcertifications,notbecauseIcould
flauntinmyresume,buttolearnmore.
Simultaneously,Istartedapplyingtovariousstartupsandsmallproductbasedcompanies
inIndiawhereIknowIcouldhavegrowth.Ijustdidn'tcareaboutthemoney.Soon
enoughIlandedwithanawesomejob,and3yearslater,Iamenjoyingmywork,getpaid
alot(trustme)andhaveaverysecureroadahead,withoutdoingMS.
Keepthesethingsinmind:
Trytoworkintechnologiesthatareadoptedandusedmoreopenly.TomeSAP
BIisaveryenterpriseleveltechnologyandyouhavelessscope.
Ifthisisnotpossible,learnonemajorusedtechnologyendtoendbydoingside
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projects(e.g.C#,AzureorJava,J2EEorJavascript,HTML,CSSetc.)
Trytogiveasmanyinterviewsasyoucan.Feelthepainofrejection.Itmakesyou
stronger.
Itjustdependshowyouchoosetoactnow.Allthebest.
WrittenSep26,2014ViewUpvotes
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MahapavitAnand,Studyabroadexpert
3.9kViewsMahapavithas30+answersinGraduateSchoolEducation.

Noitisnotworththerisk.Germanywouldbeabetteroptionforfollowingreasons
Over1LacEngineersandITprofessionalsrequiredinGermany.Averagesalary
Rs.40Lacs.
GermanUniversitiesareconsideredbestintheWorldforEngineering&IT
programs.
FREEeducationatBachelorandMasterlevelinallfieldsinGermanUniversities.
Uponcompletionofyourstudyprograms,youhave1.5yeartoapplyforjobs.
EasyPRprocess.
Schenganvisa(i.e.issuedforGermany)allowsyoutotravelalloverEurope.
CostoflivinginGermanyischeapestinEurope,i.e.Euro7000peryear.
Parttimejobsallowed20Hoursperweekmakinglearningandlivingconditions
easy.
ArguablytheonlycountryintheWorldwherecompletionofstudyprogramsis
smoothlyfollowedbypaidinternshipintopMNCsthateventuallyleadtofull
timeplacement.
GermanisthelanguageofoneofthemajoreconomicplayersintheEuropean
Union.
Germany'sstrongeconomicpositionhasalsoledtotheuseofGermanasthe
preferredlanguageofcommerceinanumberofEasternEuropeancountries.
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FormorecheckWhyGermany
WrittenJul9,2015ViewUpvotes
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ChandramouliChandrasekaran,PresidentofAdvitFoundation,VocalistatThe
IyerProject,RunningEnthusiast
2.8kViews

A2A
InthefieldsofCS,ITandelectronicsyouaredefinitelybetteroffdoinganMSabroadand
settlingthere,particularlyUS.Soinmyhonestopinion,itisworthit.
Thatbeingsaid,yourreasonfordoinganMSmightfrustrateyoualot.Youyourselffeel
thatyoudon'thaveagoodholdonundergraduateconcepts.Sotryonlineportalslike
Courseraoredxwhichofferfreecourses.IfyougoaboutdoinganMSwithoutafairhold
onUGconcepts,youwillgetimmenselyfrustratedandyoumightenterthe"nonserious"
modeinMStoo,whichcanbefinanciallyfatal.Sograbthebasicswellonyourownand
thenthinkaboutanMS.
Now,onceyouhavedoneyourMSabroad,tryandstayabroadasitwillnotbevaluedhere
inIndia.
Takealoan,studywellandgetintoagoodjob.Youshouldbeabletogetaminimumof
30004000$permonth.SendtherequiredmoneybacktoIndiaandrepaytheloan
(typically50Kpermonth).Educationloanshaveamoratoriumperiodtoosothathelps
youaccumulatefundsforabout23yearsafteryougetajobbeforeyourrepaymentEMI
kicksin.
Cheers
WrittenSep4ViewUpvotesAnswerrequestedbyPulkitMathur
Upvote 19

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Financially,isitworthitforamiddleclassIndiantogetanMSintheUSA?Quora

SakethSaketh
3.4kViews

TheAmericanDream!!!
YourRequirements:
DivedeeperintotheCsconcepts
Goodsalaryaftermasters
Limitations:
Money
Suggestions:
Icomefromamiddleclassfamilytoo,whileitisveryobviousthateverystudentfroma
middleclassfamilyintendstogotheUSinordertoearnmoreandgetwellsettledinlife,
butsometimestheprocessingitselfcouldbedifficultwhenitcomestothematterofmoney.
Whilemanypeopleadvisethatitmightnotbeworththehypethatpeoplegivebutitsurely
isdependingupontheuniversityyougo.
HavingstudiedintheUnitedStates,IcanassureyouthattheUSisreallyworththemoney
andthetime,notonlythehighersalariesthatyouwillbegettingbutalsoyouwillhavean
advanceddegreeinthefieldwhichyouwork,alsoyouwilldevelopIndividualitywhichis
veryimportantinordertosustain.
Therearemanychancesofpayingforyourtuitionandyourlivingexpensesthrough
variousoncampusjobssuchasTeaching,ResearchandGraduateAssistantships,many
typesofclericalpositionsinvariousdepartmentsaroundtheuniversity,tutorsformaths
andsciences,gradersfordifferentcoursesandlastbutnottheleaststudentworkerinfood
stallsrightintheuniversity.SoyourmainproblemwasmoneyandIcanassureyouifnot
thetuitionyoucaneasilytakecareofyourexpensesbyworkingoncampusoroffcampus
(notpreferable).Ifyourscoresaregoodandyourbtechbasicsaregoodyoumightget
luckyandmightbeabletogetanassistantship.NowmostoftheTAs,RAsandGAs
basicallycomeswiththetuitionwaiversitmightbeinstate(halfamountoftheI20tuition
willbecovered)oritmightbefulltuitionwaiver.Soconsideringallthesetypesofresources
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Financially,isitworthitforamiddleclassIndiantogetanMSintheUSA?Quora

youcantakeforgrantedthatyouwouldbeusingyourloancompletely,butitsalways
bettertobepreparedfortheworst.
Nowthatbeingsaid,youalsoearntheloanamounteasilywithintwoyears.Butyouhave
tocarefullyshortlisttheUniversitiesforMSinCSprogram.Sinceyourmainconcernisthe
Money,prefertheuniversitiesthathaveverylowpopulationofIndianstudentswhich
eventuallyreducesthecompetition.Alsomakesurethattherearedecentnumberof
assistantships.
Iwasinthesamesituationasyourstwoyearsago.Formegettingtheloanitselfwasa
cumbersometaskandthenIhadtodecidebetweenthetwoadmitsthatIhavegot.Oneof
themwasamongthetop50universitiesintheUSbutitdidn'thadanykindoffunding,
theotheronewasamongthetop100andhaddecentnumberofTAs,RAswithlowIndian
population.Igotthefulltuitionwaiverrightfrommyfirstsemester.
WhenitcomestosalariesafterMS,yougetanaverageof70kinthemidwestwhichisOK
andevenifyousave2000$permonthitismuchbetterthanthekindofamountyoumake
inIndia.
P.SMSinUSifdefinitelyabetteroptionwhichnotonlygivesyouanadvanced
degreeandmoneybutalsoyouwillbecomemoreindependent.Allthebest
maketherightchoice.
Pleaseignoreanytyposorspellingmistakes.
WrittenJun26,2015ViewUpvotes
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AnudeepReddy,Icanhelp
3.1kViews

AnudeepReddy'sanswertoIsitworththepainandeffortstotakealoanforpursuinga
mastersdegreeabroad?

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Financially,isitworthitforamiddleclassIndiantogetanMSintheUSA?Quora

Icansayitiscompletelyworthitifyoucangetintogooduniversityandmakeuseofall
theresourcesandgetagoodjob.Nottomention,mostofthestudentsgothereanddo
parttimestomanagethefeesandcostoflivingmostofthetime.UnlikeIndian
Universitiestheyhavegoalsandlotofthingstosatisfyinordertocontinuetheirexistence,
sotheyareverymuchresultorientednomatterwhatthefeesis.Whatyouhavetodois
GetgoodGPA,GoodGREandIELTSthenyoucanjointheworthyuniversities,iamsure
allthatyouwillgothroughinaforeigncountryandallthatlearningyouwilldefinitely
excelandbecomeanentrepreneurorabigmncemployeeinashorttime.Earningmoney
isnotabigdealatall.
WrittenSep26,2014ViewUpvotes
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PayalAgarwal,CSUndergraduate
5.9kViews

ThoughIamnotveryqualifiedtowritethisanswer,(currentlyinmyfourthyearof
engineering)Iwouldliketopointoutsomething.
YourreasontodoMSasyousaidisto"needtounderstandtheconceptsmuch
deeper".Thisisalsopossiblewithonlinecoursesandintensivereadingofbooksand
materialavailableontheinternet.Sinceyou'venottakenyourundergraduatecourses
seriously,youmaybelackinginmanyaspectswhichyoucanstrengthenthroughthese
courses.Accordingtome,oneshouldpursueMastersinthefieldinwhichheistruly
interestedin.So,evenifyouchoosetodoanMSinCSyourdecisionofchoosingyour
specializationbeitMachineLearningorNetworkingmaynotbecorrectbecauseyourbase
coursesforthesubjectarenotverystrong.Onceyougetfamiliarwithalltheavailable
optionsandhaveattainedstrongcommandinthebasiccoursesofthespecialization,you
wanttodoyourmastersin,MSwillbemorefruitful.
Sidebyside,asyoucontinuetoincreaseyourgrasponconceptskeepdoingyourjobsothat
youarenotatalossfinancially.
Whoknows,youmaybecomebetteratyourjobandgetpromotedandyoursecondreason
todoMSnowwhichis"anincreaseinyoursalary"mayalsogetsatisfied.
Conclusion:DoanMSonlyafteryoufeelyouhaveastrongholdontheundergraduate
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coursesinwhichyouareplanningtodoamasters,and
specializeinthefieldinwhichyouarepassionateabout.
Hopethathelps.GoodLuck.
WrittenSep25,2014ViewUpvotes
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Anonymous
6.9kViews

IthinkIamnoweligibletoanswerthisquestion.Thisismycase:
DidBEElectronics/communicationfromatoptiercollegeinIndiabutdidnttake
itseriously.
JoinedMNCforsamepackageasyouhadmentionedandwasn'thappywithit.
Workedfor2yearsbeforeiresignedandcameforMSinUS.
Didn'tknowtheundergradconceptswellbutonehugeadvantagewastheworkI
didinthatMNCwasrelatedtomyinterestandIwantedtocontinueinthesame
field.(i.e)Mastersspecializationrelatedtoitfollowedbymyfuturedreamjob.
ThathelpedmesomuchandrightnowIamworkinginthecompanythatleads
inthefieldIwasinterestedin.
Now,comingtoyoursitutation.HerearesomepointsIcouldhelpyouunderstand(all
relatedtoUSAonly):
YousaidyouworkinSAPBIbutyou'reinterestedinmachinelearning.Ibelieve
botharetotallydifferent.IfyouplantodoMSspecializedinsomethingrelatedto
SAPandifyoutrythebestSAPbasedcompanyitwouldbeaneasygoforyou.
Butifyou'retryingforadifferentfieldotherthanwhatyou'reworkingnow,the
struggleishardtoconvincetheemployers.Youhaveexperience,youneedtobe
paidmorebuttheexperienceisnotrelevantwhichmakesyouequaltoafresher
whodirectlydidMScoursealongwithyouwhowouldbehappytogetthatjob
foralesssalaryitself.
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Financially,isitworthitforamiddleclassIndiantogetanMSintheUSA?Quora

Yesalmost95%studentstakeloan.Itiseasytorepayitwithinacoupleofyears
afteryoujoinajob.Itsnotariskfactorunlessyou'renotconfidentthatyouwill
getabetterjobafterMS.Andyesitisworthtakingloanifyou'reconfidentthat
youwonttreatMSlikehowyoutreatedyourBE.
Differencebetweenthesalaryyou'regettingnowandwhatyou'llmakeafterMSis
yourcurrentyearlypaybecomesyourmonthlypay:)(PurelybecauseofDollar
toINRconversionandtheexpenseisequallymoreheresoitallmatchesupto
someextent.).Also,thereisahugemarginwithwhatcompanyandwhatlocation
youendupworking.
Mostpeoplesettleherebecauselifeisdifferenthere.Theygetusedtotheluxury
andsystemoverheretherebynotreturningtoIndia.Ifyou'remoreaffectionate
towardsparents,relativesandfriendsyoucanreturnbackbutIdoubtyou'll:D
Whenyousaidyou'veCSbackgroundorifyou'retryingSAPrelatedIbelieveUSA
isbestoutofyour3options.
Somemorepointstohelpyoudecide:
TrytogetadmitfromabetterrankingschoolinUSA.Alsolocationmattersalot.
Acollegesurroundedbycompaniesofyourinterestisbetteranyday.
Comeherewithbettercontacts.Knowpeopleworkinginrelatedcompanies.
Knowyourseniors.HereinUSAreferralmakesalotofdifference.
GetsomecertificationsdoneevenbeforeyoucomeforMS.Thatisadded
advantagewhenyouapplyforinternswhichishalfwaythroughMS.
WrittenFeb24ViewUpvotes
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VarunAgrawal,Benkyou!
1.9kViews

Ifyoudidn'ttakeyouundergradseriously,howdoyouknowyou'lltakeyourmuchharder
postgradseriously?
Thenyou'llonlyenduplosingtheloanamountandspendingthegoodyearsofyourlife
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Financially,isitworthitforamiddleclassIndiantogetanMSintheUSA?Quora

repayingloansratherthanearningaminifortune.
WrittenJul8,2015ViewUpvotes
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SaurabhMalpani,Averysimple,ordinaryandhumbleIndian.
2.3kViewsSaurabhhas40+answersinHigherEducation.

MSadmissionsarehighlycompetitive,sinceyouhaven'ttakenengineeringseriously,you
willhaveaverydifficulttimegettingagoodadmission.Rememberyouarecompetingwith
allthosestudentsworldwidewhoactuallydidtaketheireducationseriously.
Secondly,bothyoursalaryandfamilybackgroundsuggestthatyouwillneeda_LOT_of
moneytofinanceyoureducationandlivingexpensesinaforeigncountry.
Thirdly,youwillputyourselfunderhugeemotionalpressurewhenstudyingtocomeup
withgoodsthatwillleadyoutoagoodjob.Bytheway,alargenumberofstudentswith
weakacademicbackgroundsremainunemployedforquiteawhileinUS.Thereasonis
thatcompaniescaneasilyhireemployeesfromtheirglobalofficeswhoarealreadytrained
ontheirtechnology.
Therearebetteroptionsforyouthanscrewingupfurther.Forexample,insteadofpushing
foradmissionoutsideIndia,whynotseekanadmissionatIITsorIIScinIndia.
OrwhynotjustturntoMOOCandfinishthreecoursesevery6months.Trustmeifyoudo
that,youcaneasilyseekanotherjobinIndiawhichpaysyoulike10to15LPAinanother
oneyearifnotmore.
Indianmarketisstrugglingwithqualifiedandemployableengineers.Areasonforthatis
thatstudentsdonottaketheireducationseriouslywhentheyareinIndia.Thesame
studentwhenhegoestoUSworkshisassoffdespiteanyflawsinthesystembecausehe
hastakenaloanofhislimetime.
Havinganeducationloanwhichwouldroughlytake57yearstowaiveoffmayscrewyour
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Financially,isitworthitforamiddleclassIndiantogetanMSintheUSA?Quora

20sforever.Educationislikeattendingagym,firstbuildyourmusclesandthengofor
glory.
WrittenJul21,2015ViewUpvotes
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AdityaDeshpande
2.3kViews

WhygoforMS?WhenyouhaveIIT's/IIM's/NIT's.BetterprepareforGATEandtake
upM.TechIndianInstitutesofTechnology(IITs).Youwillgetstipendaswell:)AndMind
you,youwillearnalot!Respectaswellas$$:)
PS:Thisismyviewpoint.
WhyburdenyourselfwithLOANorparentswithLOAN...Betterstudyandbeapartof
IIT's,IIM's,NIT's.
STUDYININDIA!
AskorSearchQuora

AskQuestion

WrittenOct14,2014ViewUpvotes
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Aditya

Pleaserefreshthispagetoreceivenewupdates.

Anonymous
1.1kViews

Hiunknown,
Imustsaythatthefactorsyouareconsideringareabsolutelyworthgivingthought,butI
wouldliketogarnishthemwithsomeextralayerandguideyououtfromthesituation.
Problemsyouarefacing:
1.Lowsalary
2.Riskintakingloan.
3.Settlingissue.
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Financially,isitworthitforamiddleclassIndiantogetanMSintheUSA?Quora

Myfriend,planforMSonlywhenyouhavesomespecificfieldofinterestandyouwantto
honeyourskillsandgetaproofforit.Ifyoupursueitonlybecauseofthereason1
(mentionedabove),thenIamafraidthatyoushouldgiveitasecondthought.Asyousaid
youdidn'tstudyyourengineeringverythoroughly,thisclearlyshowsyourtypicalcarefree
andcarelessattitudeyouhavebeencarryingonyourbacksinceyourfreshmandays.This
worksinIndiaforyourengineeringbutisasuremethodtofailforanMS.Noplagiarism
allowedthere.Andbelieveinme,nomiraclewouldhappeninyourattitudeevenifyou
joinforMS.Firstandtheforemostthingthatyoumustthinkofisthestrongavidreason
fordoingthesame.Stronginterestandthrustforthesubjectleavesalltheotherreasonin
vain.Don'tbedubiousinyourthoughtsifyourmainmotivationisjustnottoearndollars.
Becausefriend,nomatteryoudoMSornot,ifyougiveyourheartandsoulforsomething
thatyoulike,noonecanstopthemselvesfromgivingyoulumpofdollars.
WrittenJul8,2015ViewUpvotes
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