A STUDY ON THE IMPACT OF EDUCATIONAL DEBT ON THE MENTAL HEALTH OF INDIAN STUDENTS PURSUING HIGHER STUDIES ABROAD

Abstract

As more Indian students go abroad for higher education, they often take out large loans, creating a significant financial burden. While the economic effects of this trend are widely acknowledged, the specific impact of this debt on students' mental health remains largely unexamined. This study explores the connection between the amount of educational debt and mental health challenges like stress, anxiety, and depression among Indian students at international universities. Through a review of existing literature, analysis of reports, and anecdotal evidence, we examine how factors such as high repayment expectations, pressure from parents, and worries about getting a job after graduation contribute to psychological distress. The findings underscore the urgent need for specialized financial literacy programs and targeted mental health support to help this vulnerable, academically motivated group.