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NO.At the moment you will be spending more than 45–50 Lakhs.It uses to be worthy like 7–8 yrs back, but sadly the time has changed, everything changed and things are getting harder and tougher for us ( Indians).Not everyone can get into MIT, Stanford, Princeton, UCLA, USC, etc, not everyone gets employed at big companies like Ford, Honda, Apple, Cisco, Google, Facebook, etc. Not everyone would get an RA/TA as part-time jobs. Not everyone gets a $100k per annum salary package where you can pay off your student loan in 2–3 yrs. This thing might happen to only 1–2 people out of a group of 40 Indian students and I’m here to talk about the rest of 39–38 students or at least the average of them.For this question, I would prefer to think about my ROI ( Return of Investment). I took a huge amount of loan (40 Lakhs in 2014) to cover my whole fees and I have to make sure that paying it back all in 2–3 yrs, or at least I paid like 70–75% of it before I return to my country India, which still up to date I’m not even close to paying that amount of my 2.5 yrs of employment.And why I’m saying within 3 yrs, it's simple after graduation I can work a total of 3 yrs in the US under OPT only if my program comes under STEM, if it doesn’t come under STEM like MBA or MS in Finance programs, etc. I have only a year after my graduation to find an employer to hire me plus work for them and also apply for my H1b work visa, all within 1 year period of time for Non-STEM, for STEM we have 3 yrs.Now comes the scary part, most companies don’t want to hire International Indians just because they would need sponsorship in the future.Here’s an example for you from TOYOTA USA.See for yourself, below.Yes, that’s Toyota, USA. Rejecting job because they don’t want to sponsor the US visa.And many other US companies ( like Cree Inc.) are not providing US visa sponsorships options for international students to stay & work in the USA in the future.In Valeo, not even hiring F1 students also.Even Recruiters in Linkedin don’t have options for visa sponsorship consideration for International students.And many more.So,Finally, when u get employed u got 3 times in 3 yrs to file for an H1b visa, but here’s a reality check what makes u think your employer would keep on filing for an H1b every year until u get approved. I knew a guy from my colleges, first-year he didn’t get selected in the lottery, the second year he got selected in the lottery but his company failed to provide strong evidence required to approve RFE to USCIS and then his application was rejected and also the amount didn’t refund back to his employer, but in 3rd yr, his company gave him heartbreaking news of not filing his H1-b visa again but he got to keep his employment till the end of his OPT and yes he still got a hell of an amount to pay back his education loan.It’s simple to understand how an H1B visa works, your employer files for you if u don’t get selected at lottery pickups, you may try again next yr. but if u get selected, Congrats! now that’s half the work done, another half they gonna do a hard background checking of you and your company if they find any single doubt they may ask u or the company to provide evidence if any of u fail to provide, ur H1b application can get rejected. For example, if your company has a history of tax fraud or someone tried to sued ur company in past, etc., this could be some of the reasons for H1b rejection, but it could be diverted if your company provides a strong statement or evidence. A recent report suggests there has been a 40% rejection rate after getting a pickup from the lottery acc. USCIS stats report and the number might still grow as they’re still processing applications.Other things that make Indian graduates in US life hard are: Every year or maybe every semester they are increasing fees everywhere ( Like tuition fees, CPT, OPT fees, also US application fees they increase up to 80% of it, etc.). Not everyone gets a scholarship even though if u have the best profile ( Most of the scholarships are available for their American Kids), Not everyone gets RA or TA, this is very limited positions and also depends upon the funds being received by those professors to continue their research and hire RA or TA, if there aren’t any funds then he won’t hire or pay his students and also lots of colleges TA and RA positions are given priority to Ph.D. students first. Not everyone lands a job in big companies, u may get employed in medium or small size companies where on average they pay $60–$70k per yr and trust me u won’t be able to pay off all your student loans in those 2–3 yrs because you will have your own living expenses in the US like, Rents, paying bills, utility bills, financing a car, insurance, transportation, etc.Even in a professional career, no one can guarantee to have a secure life, companies can kick u out anytime and we can’t do anything about it, then who’s gonna take care of me, help me pay my loans, rents, bills. Maybe your friends can help hopefully if ur that closes to them.Now let’s talk ab 2 yr courses, Oh boy! the courses are way-way-way too hard. For example, in all the mathematics courses, Numerical Integration when the numerical needs to be solved using MS Excel & MATLAB. I never learned MATLAB in my whole life before moving to the US, now I have to learn MATLAB first and who’s gonna teach that? American kids learned MATLAB in their 11–12th grade, they learned CAD designing in 12th grade and I learned in my 2nd yr of B.Tech. Other courses require me to learn MINITAB, similarly, American kids already know about MINITAB. Remember it's Mandatory to maintain more than a 3.0 GPA out of 4.0 to maintain an F1 student visa or else u will be in deep trouble. Professors are not gonna teach u the kinds of stuff that are already taught in American High School. Now it’s all on us to learn and complete our assignments. Not to forget with all this u also have a part-time job where u will be working min. 20hrs in a week. Before graduation, in your last sem. u have to apply for an EAD card/OPT and guess what increased along with the application fees, they have also increased the processing time from 90 days to 150 days, which means even if u have an offer letter u cannot start working until u receive EAD card & to think about it 5 months? ( Since you graduated from College, u can’t even work on-campus jobs, so no income for 5 months also) why in hell the company will hold for u for 5 months and not think about replacing u with someone else who’s ready to join immediately, and USCIS always sends these EAD cards through the United States Postal Services ( like our India Post service) and I hear most of the time they delay in delivery to the addresses or they misplace the packages which ultimately means they misplaced your EAD card, and no one can be held responsible, u can’t do anything but just to apply again and pay fees again and wait for another 5 months of processing time.Guys, there is a hell of lots of things & I’m pretty sure you're not aware of any of it and I can talk about it all day, all week. Just think, I took a 40 lakhs loan when $1 = Rs 64, and now it's Rs.70, so probably u will be applying a much bigger amount than me. Next year it may hit Rs. 75 ( check the forecast by economist, there are no possibilities of INR getting strong in front of USD ).Another news flash: a bunch of articles and economist expertise is suggesting of upcoming Recession to hit the US soon in Trump’s Era ( from up to July 2019). If a recession hits the US, companies wouldn’t even hesitate to lay off an International employee first.So guys, in my words, It’s not worthy at all, the US has lost that worthiness term a long time ago. It doesn’t matter how hard you work, what sacrifice you may do, the US politics, laws, policies will always put hard-hitting scenarios for us, it’s simply because we are not US citizens, they have all the rights, not us!EDIT: 20th Sept. 2020I thought this a valuable info. so I’m adding it.Below is a chart, that’s describing how much tax deductions are been deducted. So these are the top well-known cities in the US.The salaries and wages depend upon location in the US. But on average, a young engineer should make around $60k- 75k per year in the US.So, below describes if your salary package is $75,000/ year and this is how much you will be getting back in your bank account after tax deductions.Well, let’s take an example of Boston, after getting $52,824 ( which means approx. $4,500 per month).One Bhk apartment rent costs around $2,300–2,6000 per month. ( over $30,000 per year excluding house security fees.)Utility bills ( wifi, electricity, and gas ) cost around $200 per month, and in winter it gets higher like $250.Transportation, car-insurance, Gasoline, groceries, etc. are damn crazy expensive.There are a lot of other expenses, like credit bills, etc.I have got a lot of data, I can share but I don’t want to bore you.As you can get an idea of how crazy expensive is America, everything is expensive. And taxes will go higher in the next year 2021 since America is officially under recession, their federal debt is around 26.8 trillion dollars. Next year it will be 27 trillion dollars which equals USA GDP.Just think of yourself, how freakingly hard it will be to pay educational loans from Indian banks whose EMI will be somewhere Rs. 70,000 maximum per month for whole MS fees of more than 40–45 Lacs. Also, this EMI has a tenure of 10 years so they actually start EMI on 3rd year after MS college graduation, and calculated EMI’s are based on 8 years tenure.PS. I’m not a banking expert but this is what happens to me and my friends.Imagine if denied H1b or no job opportunities in the US due to harsh US immigration. How is it possible to pay Rs 70,000 per month on Indian salaries?Do a lot of extensive research, think about your family too especially if they’re getting retire and old.

NO.Especially if you’re conditions are: you belong to a poorer or middle-class family and you’re heavily dependent upon bank loans to sponsor your college fees & other expenses and also your plan to study and work in the USA, not planning to immediately move back to your home country.My answer is mostly based on the perspective of Indian students, but I would recommend students from other countries students do also read because topics covered below like US immigration or visa policies are the same for all.At the moment you will be spending more than Indian Rs. 45–50 Lakhs ( or let’s say around $50k for MS & maybe around $70k for MBA).It uses to be worthy like 7–8 yrs back, but sadly the time has changed, everything changed and things are getting harder and tougher for us ( Indians).Not everyone can get into MIT, Stanford, Princeton, UCLA, etc, not everyone gets employed at big companies like Ford, Honda, Apple, Cisco, Google, Facebook, etc. Not everyone would get an RA/TA as part-time jobs. Not everyone gets a $120k plus per annum salary package where you can pay off your student loan in 2–3 yrs. This thing might happen to only 1–2 people out of a group of 40 Indian students and I’m here to talk about the rest of 39–38 students or at least the average of them.(Even getting admitted to a top University or getting a job in top companies doesn’t put you in a safe zone for your career. Immigration policies & laws are the same for all. )For this question, I would prefer to think about my ROI ( Return of Investment). I took a huge amount of loan (Rs. 40 Lakhs in 2014) to cover my whole fees and I have to make sure that paying it back all in 2–3 yrs, or at least I paid like 70–75% of it before I return to my country India.And why I’m saying within 3 yrs, it's simple after graduation I can work a total of 3 yrs in the US under OPT only if my program comes under STEM, if it doesn’t come under STEM like MBA or MS in Finance programs, etc. I have only a year after my graduation to find an employer to hire me plus work for them and also apply for my H1b work visa, all within 1 year period of time for Non-STEM, for STEM we have 3 yrs.Now comes the scary part, most US companies don’t want to hire International students just because they would need sponsorship in the future.Here’s a job rejection letter from TOYOTA USA.See for yourself, below.Yes, that’s Toyota, USA. Rejecting job because they don’t want to sponsor the US visa.And many other US companies ( like Cree Inc.) are not providing US visa sponsorships options for international students to stay & work in the USA in the future.In Valeo, not even hiring F1 international students also.And many more.Finally, when u get employed u got 3 times in 3 yrs ( only for STEM) to get the file for an H1b visa, but here’s a reality check what makes u think your employer would keep on filing for an H1b every year until u get approved. I knew a guy from my colleges, first-year he didn’t get selected in the lottery, the second year he got selected in the lottery but his company failed to provide strong evidence required to approve RFE to USCIS and then his application was rejected and also the amount didn’t refund back to his employer, but in 3rd yr, his company gave him heartbreaking news of not filing his H1-b visa again but he got to keep his employment till the end of his OPT and yes he still got a hell of an amount to pay back his education loan when he returned to his country.It’s simple to understand how an H1B visa works, your employer files for you if u don’t get selected at lottery pickups, you may try again next yr. but if u get selected, Congrats! now that’s half the work done, another half they gonna do a hard background checking of you and your company if they find any single doubt they may ask u or the company to provide evidence if any of u fail to provide, ur H1b application can get rejected. For ex. if your company has a history of tax fraud or someone tried to sued ur company in past, etc., this could be some of the reasons for H1b rejection, but it could be diverted if your company provides a strong statement or evidence. An employer has to provide strong support for why they failed to hire Americans and they filed visas for any international candidate A report suggests there has been a 40% rejection rate after getting a pickup from the lottery acc. USCIS stats report and the number might still grow as they’re still processing applications.H1b is a very outdated biased lottery-based selection program, where a candidate with one degree and with “zero” work experiences have the same chances of getting H1b lottery pickup compare to another candidate with (let’s say) advanced degrees & with 10 years of work experiences, also involves huge processing time ( like 6–10 months or even 1-year), a lot of expenses ( depends upon the company’s size), requires a lot of paper works ( like RFE’s), have to fly back to home country for visa stamping (a lot of chances the visa interview may get rejected & the applicant stuck in the home country).Plus a lot of other complications and Trump’s restrictive policies, like “ Buy American and Hire American” policies have alarmed & put a lot of pressure on US companies to hire only Americans ( even if they’re unfit for the role).Other things that make Indian graduates in US life hard are: Every year or maybe every semester they are increasing fees everywhere ( Like tuition fees, CPT, OPT fees, also US application fees they increase up to 80% of it, etc.). Not everyone gets a scholarship even though if u have the best profile ( Most of the scholarships are available for their American Kids), Not everyone gets RA or TA, this is very limited positions and also depends upon the funds being received by those professors to continue their research and hire RA or TA, if there aren’t any funds then he won’t hire or pay his students and also lots of colleges TA and RA positions are given priority to Ph.D. students first. Not everyone lands a job in big companies, u may get employed in medium or small size companies where on average they pay $60–$70k per yr and trust me u won’t be able to pay off all your student loans in those 2–3 yrs because you will have your own living expenses in the US like, Rents, paying bills, utility bills, financing a car, insurance, transportation, etc.Even in a professional career, no one can guarantee to have a secure life, companies can kick u out anytime and we can’t do anything about it, then who’s gonna take care of me, help me pay my loans, rents, bills. Maybe your friends can help hopefully if ur that closes to them. If you lose your job in H1b then you have 60 days to find a new job with an H1b transfer or leave the country. Very very stressful & depressing times.Now let’s talk ab 2 yr Master's courses, Oh boy! the courses are way-way-way too hard. For example, in all the mathematics courses, Numerical Integration when the numerical needs to be solved using MS Excel & MATLAB. I never learned MATLAB in my whole life before moving to the US, now I have to learn MATLAB first and who’s gonna teach that? American kids learned MATLAB in their 11–12th grade, they learned CAD designing in 12th grade and I learned in my 2nd yr of B.Tech. Other courses require me to learn MINITAB, similarly, American kids already know about MINITAB. Remember it's Mandatory to maintain more than a 3.0 GPA out of 4.0 to maintain an F1 student visa or else u will be in deep trouble. Professors are not gonna teach u the kinds of stuff that are already taught in American High School. Now it’s all on us to learn and complete our assignments. Not to forget with all this u also have a part-time job where u will be working min. 20hrs in a week. Before graduation, in your last sem. u have to apply for an EAD card/OPT and guess what increased along with the application fees, they have also increased the processing time from 90 days to 150 days, which means even if u have an offer letter u cannot start working until u receive EAD card & to think about it 5 months? ( Since you graduated from College, u can’t even work on-campus jobs, so no income for 5 months also) why in hell the company will hold for u for 5 months and not think about replacing u with someone else who’s ready to join immediately, and USCIS always sends these EAD cards through the United States Postal Services ( like our India Post service) and I hear most of the time they delay in delivery to the addresses or they misplace the packages which ultimately means they misplaced your EAD card, and no one can be held responsible, u can’t do anything but just to apply again and pay fees again and wait for another 5 months of processing time.Guys, there is a hell of lots of things & I’m pretty sure you're not aware of any of it and I can talk about it all day, all week. Just think, I took a 40 lakhs loan when $1 = Rs 64, and now it's Rs.74, so probably u will be applying a much bigger amount than me. Next year it may hit Rs. 75–80 ( check the forecast by economist, there are no possibilities of INR getting strong in front of USD ).And also technically there are no green cards for Indian & China-born citizens since and added both countries in the backlog of processing time of more than 25 to 150 years so even forget it any American company sponsoring green cards. A bill named HR1044/S386 was created to pass in the house to remove this country based discrimination but NO, it didn’t pass & was blocked further.So guys, in my words, It’s not worthy at all, the US has lost that worthiness term a long time ago. It doesn’t matter how hard you work, what sacrifice you may do, the US politics, laws, policies will always put hard-hitting scenarios for us, it’s simply because we are not US citizens, they have all the rights, not us!If you’re so passionate about going abroad then do keep options of exploring other countries also like Canada with point-based permanent residency.Plus, how unsafe America is nowadays with heightening racism ( we all seen BLM mass protest and also white-supremacist protest, plus many Americans believes we are cheap laborers who took away their rightful jobs) & gun violence where many Indian students were killed. Click the link below.Kabir Snooka's answer to Do people of Indian origin feel safe in America?I thought this a valuable info. so I’m adding it.Below is a chart, that’s describing how much tax deductions are been deducted. So these are the top well-known cities in the US.The salaries and wages depend upon location in the US. But on average, a young engineer should make around $60k- 75k per year in the US.So, below describes if your salary package is $75,000/ year and this is how much you will be getting back in your bank account after tax deductions.Well, let’s take an example of Boston, after getting $52,824 ( which means approx. $4,500 per month).One Bhk apartment rent costs around $2,200–2,6000 per month. ( over $30,000 per year excluding house deposit & security fees.)Utility bills ( wifi, electricity, and gas ) cost around $200 per month, and in winter it gets higher like $250 in big cities.Transportation, car-insurance, Gasoline, groceries, parking tickets, etc. are damn crazy expensive.There are a lot of other expenses, like credit bills, etc.I have got a lot of data, I can share but I don’t want to bore you.As you can get an idea of how crazy expensive is America, everything is expensive. And taxes will go higher in the next year 2021 since America is officially under recession, their federal debt is around 26.8 trillion dollars. Next year it will be 27 trillion dollars which equals USA GDP.Just think of yourself, how freakingly hard it will be to pay educational loans from Indian banks whose EMI will be somewhere Rs. 70,000 maximum per month for whole MS fees of more than 40–45 Lacs. Also, this EMI has a tenure of 10 years so they actually start EMI on 3rd year after MS college graduation, and calculated EMI’s are based on 8 years tenure.PS. I’m not a banking expert but this is what happens to me and my friends.Imagine if denied H1b or no job opportunities in the US due to harsh US immigration. How is it possible to pay Rs. 70,000 per month on Indian salaries.Do a lot of extensive research, think about your family too especially if they’re getting retire and old. Don’t leave your parents behind in debt.I’m not here to coerce you, since I don’t know you nor I’m getting anything in return for putting a lot of effort in posting. My work was just to put the real picture in front of you & the decision is always yours to make since even I wish if someone could have done it for me.Bless you.

NO.Especially if your conditions are: you belong to a poorer or middle-class family and you’re heavily dependent upon bank loans to sponsor your college fees & other expenses and also your plan to study and work in the USA, not planning to immediately move back to your home country.My answer is mostly based on the perspective of Indian students, but I would recommend students from other countries students do also read because topics covered below like US immigration or visa policies are the same for all.At the moment you will be spending more than Indian Rs. 45–50 Lakhs ( or let’s say around $50k for MS & maybe around $70k for MBA).It uses to be worthy like 7–8 yrs back, but sadly the time has changed, everything changed and things are getting harder and tougher for us ( Indians).Not everyone can get into MIT, Stanford, Princeton, UCLA, etc, not everyone gets employed at big companies like Ford, Honda, Apple, Cisco, Google, Facebook, etc. Not everyone would get an RA/TA as part-time jobs. Not everyone gets a $120k plus per annum salary package where you can pay off your student loan in 2–3 yrs. This thing might happen to only 1–2 people out of a group of 40 Indian students and I’m here to talk about the rest of 39–38 students or at least the average of them.(Even getting admitted to a top University or getting a job in top companies doesn’t put you in a safe zone for your career. Immigration policies & laws are the same for all. )For this question, I would prefer to think about my ROI ( Return of Investment). I took a huge amount of loan (Rs. 40 Lakhs in 2014) to cover my whole fees and I have to make sure that paying it back all in 2–3 yrs, or at least I paid like 70–75% of it before I return to my country India.And why I’m saying within 3 yrs, it's simple after graduation I can work a total of 3 yrs in the US under OPT only if my program comes under STEM, if it doesn’t come under STEM like MBA or MS in Finance, Entrepreneurship, etc. programs, etc. I have only a year after my graduation to find an employer to hire me plus work for them and also apply for my H1b work visa, all within 1 year period of time for Non-STEM, for STEM we have 3 yrs.Now comes the scary part, most US companies don’t want to hire International students just because they would need sponsorship in the future.Here’s a job rejection letter from TOYOTA USA.See for yourself, below.Yes, that’s Toyota, USA. Rejecting jobs because they don’t want to sponsor the US visa.And many other US companies ( like Cree Inc.) are not providing US visa sponsorships options for international students to stay & work in the USA in the future.In Valeo, not even hiring F1 international students also.And many more.Finally, when u get employed u got 3 times in 3 yrs ( only for STEM) to get the file for an H1b visa, but here’s a reality check what makes u think your employer would keep on filing for an H1b every year until u get approved. I knew a guy from my colleges, first-year he didn’t get selected in the lottery, the second year he got selected in the lottery but his company failed to provide strong evidence required to approve RFE to USCIS and then his application was rejected and also the amount didn’t refund back to his employer, but in 3rd yr, his company gave him heartbreaking news of not filing his H1-b visa again but he got to keep his employment till the end of his OPT and yes he still got a hell of an amount to pay back his education loan when he returned to his country.It’s simple to understand how an H1B visa works, your employer files for you if u don’t get selected at lottery pickups, you may try again next yr. but if u get selected, Congrats! now that’s half the work done, another half they gonna do a hard background checking of you and your company if they find any single doubt they may ask u or the company to provide evidence if any of u fail to provide, ur H1b application can get rejected. For ex. if your company has a history of tax fraud or someone tried to sued ur company in past, etc., this could be some of the reasons for H1b rejection, but it could be diverted if your company provides a strong statement or evidence. An employer has to provide strong support for why they failed to hire Americans and they filed visas for any international candidate A report suggests there has been a 40% rejection rate after getting a pickup from the lottery acc. USCIS stats report and the number might still grow as they’re still processing applications.H1b is a very outdated biased lottery-based selection program, where a candidate with one degree and with “zero” work experiences have the same chances of getting H1b lottery pickup compare to another candidate with (let’s say) advanced degrees & with 10 years of work experiences, also involves huge processing time ( like 6–10 months or even 1-year), a lot of expenses ( depends upon the company’s size), requires a lot of paper works ( like RFE’s), have to fly back to home country for visa stamping (a lot of chances the visa interview may get rejected & the applicant stuck in the home country).Plus a lot of other complications and Trump’s restrictive policies, like “ Buy American and Hire American” policies have alarmed & put a lot of pressure on US companies to hire only Americans ( even if they’re unfit for the role).Other things that make Indian graduates in US life hard are: Every year or maybe every semester they are increasing fees everywhere ( Like tuition fees, CPT, OPT fees, also US application fees they increase up to 80% of it, etc.). Not everyone gets a scholarship even though if u have the best profile ( Most of the scholarships are available for their American Kids), Not everyone gets RA or TA, this is a very limited position and also depends upon the funds being received by those professors to continue their research and hire RA or TA, if there aren’t any funds then he won’t hire or pay his students and also lots of colleges TA and RA positions are given priority to Ph.D. students first. Not everyone lands a job in big companies, u may get employed in medium or small size companies where on average they pay $60–$70k per yr and trust me u won’t be able to pay off all your student loans in those 2–3 yrs because you will have your own living expenses in the US like, Rents, paying bills, utility bills, financing a car, insurance, transportation, etc.Even in a professional career, no one can guarantee to have a secure life, companies can kick u out anytime and we can’t do anything about it, then who’s gonna take care of me, help me pay my loans, rents, bills. Maybe your friends can help hopefully if ur that closes to them. If you lose your job in H1b then you have 60 days to find a new job with an H1b transfer or leave the country. Very very stressful & depressing times.Now let’s talk ab 2 yr Master's courses, Oh boy! the courses are way-way-way too hard. For example, in all the mathematics courses, Numerical Integration when the numerical needs to be solved using MS Excel & MATLAB. I never learned MATLAB in my whole life before moving to the US, now I have to learn MATLAB first and who’s gonna teach that? American kids learned MATLAB in their 11–12th grade, they learned CAD designing in 12th grade and I learned in my 2nd yr of B.Tech. Other courses require me to learn MINITAB, similarly, American kids already know about MINITAB. Remember it's Mandatory to maintain more than a 3.0 GPA out of 4.0 to maintain an F1 student visa or else u will be in deep trouble. Professors are not gonna teach u the kinds of stuff that are already taught in American High School. Now it’s all on us to learn and complete our assignments. Not to forget with all this u also have a part-time job where u will be working min. 20hrs in a week. Before graduation, in your last sem. u have to apply for an EAD card/OPT and guess what increased along with the application fees, they have also increased the processing time from 90 days to 150 days, which means even if u have an offer letter u cannot start working until u receive EAD card & to think about it 5 months? ( Since you graduated from College, u can’t even work on-campus jobs, so no income for 5 months also) why in hell the company will hold for u for 5 months and not think about replacing u with someone else who’s ready to join immediately, and USCIS always sends these EAD cards through the United States Postal Services ( like our India Post service) and I hear most of the time they delay in delivery to the addresses or they misplace the packages which ultimately means they misplaced your EAD card, and no one can be held responsible, u can’t do anything but just to apply again and pay fees again and wait for another 5 months of processing time.Guys, there is a hell of lots of things & I’m pretty sure you're not aware of any of it and I can talk about it all day, all week. Just think, I took a 40 lakhs loan when $1 = Rs 64, and now it's Rs.74, so probably u will be applying a much bigger amount than me. Next year it may hit Rs. 75–80 ( check the forecast by economist, there are no possibilities of INR getting strong in front of USD ).And also technically there are no green cards for Indian & China-born citizens since and added both countries in the backlog of processing time of more than 25 to 150 years so even forget it any American company sponsoring green cards. A bill named HR1044/S386 was created to pass in the house to remove this country-based discrimination but NO, it didn’t pass & was blocked further.So guys, in my words, It’s not worthy at all, the US has lost that worthiness term a long time ago. It doesn’t matter how hard you work, what sacrifice you may do, the US politics, laws, policies will always put hard-hitting scenarios for us, it’s simply because we are not US citizens, they have all the rights, not us!If you’re so passionate about going abroad then do keep options of exploring other countries also like Canada with point-based permanent residency.Plus, how unsafe America is nowadays with heightening racism ( we all seen BLM mass protest and also white-supremacist protest, plus many Americans believes we are cheap laborers who took away their rightful jobs) & gun violence where many Indian students were killed. Click the link below.Kabir Snooka's answer to Do people of Indian origin feel safe in America?I thought this a valuable info. so I’m adding it.Below is a chart, that’s describing how much tax deductions are been deducted. So these are the top well-known cities in the US.The salaries and wages depend upon location in the US. But on average, a young engineer should make around $60k- 75k per year in the US.So, below describes if your salary package is $75,000/ year and this is how much you will be getting back in your bank account after tax deductions.Well, let’s take an example of Boston, after getting $52,824 ( which means approx. $4,500 per month).One Bhk apartment rent costs around $2,200–2,6000 per month. ( over $30,000 per year excluding house deposit & security fees.)Utility bills ( wifi, electricity, and gas ) cost around $200 per month, and in winter it gets higher like $250 in big cities.Transportation, car-insurance, Gasoline, groceries, parking tickets, etc. are damn crazy expensive.There are a lot of other expenses, like credit bills, etc.I have got a lot of data, I can share but I don’t want to bore you.As you can get an idea of how crazy expensive is America, everything is expensive. And taxes will go higher in the next year 2021 since America is officially under recession, their federal debt is around 26.8 trillion dollars. Next year it will be 27 trillion dollars which equals USA GDP.Just think of yourself, how freakingly hard it will be to pay educational loans from Indian banks whose EMI will be somewhere Rs. 70,000 maximum per month for whole MS fees of more than 40–45 Lacs. Also, this EMI has a tenure of 10 years so they actually start EMI on 3rd year after MS college graduation, and calculated EMI’s are based on 8 years tenure.PS. I’m not a banking expert but this is what happens to me and my friends.Imagine if denied H1b or no job opportunities in the US due to harsh US immigration. How is it possible to pay Rs. 70,000 per month on Indian salaries.Do a lot of extensive research, think about your family too especially if they’re getting retire and old. Don’t leave your parents behind in debt.I’m not here to coerce you, since I don’t know you nor I’m getting anything in return for putting a lot of effort into posting. My work was just to put the real picture in front of you & the decision is always yours to make since even I wish if someone could have done it for me.Bless you.