India. A hell lot of Indians (29K last year) come to USA for their Masters degree. These kids borrow loans from Indian banks at 10% to 12% APR do their M.S. and

India. A hell lot of Indians (29K last year) come to USA for their Masters degree. These kids borrow loans from Indian banks at 10% to 12% APR do their M.S. and then pay that loan back quickly. Even though MS is significantly less risky you need to factor in the huge gap between value of that in money in USA v/s India. Market signals works pretty strong here. Stanford can charge you whatever they want while the F1 visa factory college charge a modest 10K for a 2 year M.S.