I didn't understand your math, but your comment about 0 year/7 month prompted me to write this. For my bachelor's education in India, my parents took a loan of

I didn't understand your math, but your comment about 0 year/7 month prompted me to write this. For my bachelor's education in India, my parents took a loan of 200k (2 lakhs) rs that took them I think 4 years to pay off. Unless we can get into a government college, a lot of us cannot afford private education.