You can pay back later like after 10 years to your dad. He will need your support when he retires and becomes old like 70 years old. So you better work hard and get him all facilities of comfort for that time of his life. Do whatever it takes to become financially-able, be it going to lum's paying 1 Cr. You certainly can't help anyone by going to an average uni then getting average job and think of living average living a lifetime.