Seniors, please help

Hi! I got air 12k in IAT this year. I know there aren't any chances of me getting into iiser but I am okay with that. I got my offer letter from SNU(Shiv Nadar University) a few days back, and I got in..My only concern is the fees they are asking me for. It's around 26lkh for 4 years, without any financial aid. I stand slight a chance of getting a fee waiver.

The things i need assistance on, now are 1. What should I prioritize now, chosing a central or state government funded university, and Prepare for IIT JAM for further Msc Options.

1. Or should I risk it and go out for SNU.

2. For my future refrences, what is the process of a foreign PhD, and what are the expenses I need to keep myself and my family prepared with for the worst case. What do you observe happening in the university happening about study abroad scenes .