In India, student loans have mainly been in demand from people seeking an MS degree in the US. But things are changing, and education is getting more expensive across the board, and I do worry about my kids. My immediate reaction right now is to save enough fuck-you money for my kids so that they don't have to get into the education rat race at all. I don't know how that will work, if at all, but that's the best I can do. If they choose to spend the money I saved on expensive degrees, I hope collectively as a family, we know what we are getting into.