For my son, ISB’s one-year programme was the only choice—it meant one less year of my fixed deposit’s interest vanishing. These two-year colleges are brilliant, but an extra year of fees and no salary is a mountain for someone like me, whose ‘paisa’ grows on apple trees, not in stocks. Best is what lets your child sleep without a debt-ghost on their chest. I know because I measured the weight of that loan in every silent cup of chai before dawn.
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