Succeeding in a highly competitive entrance exam is just the first step; affording study abroad often means facing high costs. For many Indian students, studying abroad is a significant investment. However, the true financial challenges often appear only after arriving in a foreign country. Success depends on smart decisions about universities, loans, and daily spending, not just scholarships. Scholarships can help, but education loans are often necessary. Sonal Kapoor from Prodigy Finance points out that some loans require repayments while the student is still studying, which can be difficult. Loans with a grace period after graduation can ease this burden, giving students time to find work. It's also important to consider loan details like collateral, co-signers, and currency.