Indian father set to sell home after sons struggle in US: ‘Rs 2 crore loan, no job’

Indian father under Rs 2 crore loan after sons’ US studies. (AI-generated image)

A social media post has highlighted the financial strain faced by an Indian family after a father took loans exceeding Rs 2 crore to send his two sons to the United States for higher education, only for them to struggle to find jobs and work visas.

The story was shared on X by Aditya, a Visakhapatnam-based entrepreneur, who said a close friend of his borrowed heavily to fund his sons’ education abroad despite limited financial resources. “A close friend of mine sent both his kids to the US in spite of not having the means to do it,” Aditya wrote.

According to the post, the father expected his sons to find employment in the US after completing their master’s degrees and shift to work visas. However, both students struggled to secure full-time jobs after graduation.

Like many Indian parents, the father borrowed heavily with the expectation that his sons would find employment after completing their master’s degrees and transition to work visas. By the time both students completed their education, the family had already accumulated large debt. He further revealed, “The father had a loan of Rs 1.5 crore by the time his sons’ education in the US was completed.”

After finishing their degrees, both sons struggled to secure full-time jobs in the US. For international graduates, employment is often linked to obtaining an H-1B work visa, which allows skilled foreign workers to stay in the country. However, changes to immigration policies under US President Donald Trump have tightened scrutiny of applications, while the number of available visas remains limited.

With no stable employment, the sons depended on financial support from their father in India. According to Aditya, the father initially sent money to supplement their part-time earnings. “Earlier, he would send them 1 lakh each month to augment their part-time income. After Trump, he got them to quit their part-time jobs and started sending 2 lakhs each,” said Aditya.

As monthly expenses continued and loan interest increased, the family’s total debt crossed Rs 2 crore. To keep supporting his sons in the US, the father was prepared to sell his flat. At the same time, his own business in India was facing difficulties.

After an extended period of uncertainty, the family received some relief when the elder son was selected in the H-1B lottery and secured a full-time job. “Luckily, in the recent lottery, elder one got picked, got a full time job and while the salary is low, at least he's able to make ends meet,” the entrepreneur said.

The job meant the elder son no longer depended on money sent from India, although the family’s overall financial burden remained high. The situation of the younger son was not detailed further.

Aditya described the experience as extremely difficult and said it reflects the situation faced by many Indian families who have invested heavily in overseas education. He explained, “There are tens of thousands of Indian students (and parents) in the same boat now, with more joining in each year.”

A close friend of mine sent both his kids to the US in spite of not having the means to do it. By the time their education was done, he had a loan of 1.5 cr. Both completed their MS - one 2 years ago and one this year. Didn't get picked in H1B lottery twice. Earlier, he would… https://t.co/JwrnlmIFp7

— Aditya (@vizagobelix) January 17, 2026

The entrepreneur further expressed, “It is easy for us to pass judgment sitting here, but it is quite difficult for the young kids - caught between a market which no longer has a lot of entry jobs available, and a big loan back home that keeps growing. Most parents I know tell their kids not to worry and that they'll take care, but the kids put a lot of pressure on themselves knowing the reality of their precarious finances.”

In his post, Aditya urged people to show empathy and offer support rather than criticism. He said, “If we know someone in that situation, let's not say ‘I told you not to go, now see...’ Let's help if we can, or at least offer some moral support. But if someone you know is taking up an unaffordable loan to send their kids abroad this year, please ask them to reconsider.”

Disclaimer: This report is based on content shared by users on social media platforms. Moneycontrol has not independently verified the details and does not endorse the claims.