‘Willing to settle for 3 LPA’: Man turns down 7 LPA offer, now saddled with Rs 40 lakh loan

A man shared how his friend turned down a 7 LPA job to study in the US. (Image credit: Representational image/AI)

• A viral X post sparked debate on risks of rejecting campus jobs
• User's friend chose US MS over 7 LPA job, now faces 40 lakh debt
• Many online see it as a cautionary tale about ambition and loans

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A social media debate has erupted after an X user shared a story of a friend who turned down a campus placement offer worth 7 LPA and opted for higher studies in the US. According to the post, the friend now holds a Master’s degree but is burdened with Rs 40 lakh loans and is considering a 3 LPA job.

Taking to X, the user @original_ngv wrote, "One of my friends rejected a 7 LPA campus job, thinking it was not enough for him. He decided to go to the US for an MS instead.

Now he has a Master's, 40 lakh in debt and is ready to settle for even a 3 LPA job. Greed is the death of all good things, my friends,” he added.

The post quickly gained traction, garnering over 31,000 views and drawing a range of reactions. While some users expressed sympathy for the friend, others saw it as a warning about unchecked ambition and financial risk.

One of my friends rejected a 7LPA campus job thinking it was not enough for him.

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He decided to go to the US for MS instead. Now he has a Masters, 40 LPA in debt and is ready to settle for even a 3 LPA job. Greed is the death of all good things my friends. — enji vi (@original_ngv) February 16, 2026

One user wrote, “Nah, I could tell he was thinking it would be like the 2016 job market. Not as much as he should have.”

Another X user added, “He was right in his decision, but the sad part is, it might have worked 10 years ago. Now the market has shifted a lot.”

A third user commented, “That’s okay, we’ve been watching reruns of this drama since the 2008 recession days. He has an MS from the US, which still carries that extra sparkle compared to a regular master’s from here. He just needs to land the right job and grind from there. An MS from the US is like a lottery ticket; it may not cash out immediately, but when the timing clicks, it shines at just the right moment.

In a similar case, a 27-year-old Indian who took a Rs 40 lakh education loan in 2022 to pursue a Master’s degree in the US returned home after failing to secure a job amid economic downturns and visa hurdles. With his father’s business collapsing and medical expenses mounting, he found a job in India paying Rs 75,000 a month, but a Rs 66,000 EMI leaves him with just Rs 9,000 for personal expenses.