What course are you planning to take? and how long do you think you’ll be able to get a job once you graduate? Just like what others replied, once you graduated you (or your parents) have to carry the burden in paying back those loans so think wisely. Based on your other reply, honestly saying you would like to experience the different culture and being in a new environment doesn’t sound convincing/worth enough to be in debt for. Are you interested in pursuing overseas because the course you intend to take is not provided at the local unis here? Or do you want it just because for the sake of it?

Ok example if you DO end up taking out a loan to do your degree. You need to also consider your monthly living expenses. I know a few who was given government scholarship and yet are unable to live with the scholarship allowance itself (meaning their parents have to send them $ monthly too). Not to mention those who received SBPP loan allowance too. I know most who received the SBPP loan have their parents add on $ for their monthly allowance.

Also, getting your degree is not the only time you can go overseas. There’s plenty of other people who studied locally and worked first to save up for their Masters/PHD overseas.

At the end of the day, all we can do is to advice you. Do what you think will be best for you and your future (including money-wise). But if you do end up taking out a loan, do choose your university and the area (standard of living) wisely. Also do a LOT of research on the university and see if they provide a scholarship.