Can You Repay an Abroad Education Loan of ₹25+ Lakhs in 2–3 Years?
Brought to you by Hexafin – Experts in Abroad Education Loans
Studying abroad is a big investment, but also a big opportunity.
If you’ve taken a foreign education loan of ₹25 lakhs or more, you might be wondering:
“Can I repay this entire loan in just 2 to 3 years?”
The answer is yes, it’s possible, but it depends on multiple factors.
Let’s understand how.
1. Your Job and Salary After Graduation
Repayment mainly depends on your salary package after studying abroad.
If you secure a high-paying job in countries like the US, UK, Canada, Ireland, or Germany, your income in foreign currency (USD, GBP, EUR) can make repayment easier and faster.
For example, with an average starting salary of €35,000–€50,000 in Ireland or $60,000–$80,000 in the US, repaying ₹25 to ₹30 lakhs is achievable within 2 to 3 years with proper financial planning.
2. Loan Terms and EMI Flexibility
At Hexafin, we help students get loans with:
Flexible repayment periods (up to 10 to 15 years)
Moratorium periods (no or low EMI during your study time)
Prepayment options without penalty
This gives you breathing room to settle abroad, find a job, and then plan aggressive repayment.
3. Is It Realistic to Repay ₹25+ Lakhs in 2–3 Years?
Let’s say:
You repay ₹80,000 to ₹1,00,000 per month (around €1,000 to €1,200 or $1,000 to $1,200)
You make yearly part-payments from bonuses or savings
In such a case, a ₹25 to ₹30 lakh loan can be fully paid off in 30 to 36 months, especially if you manage your lifestyle and spending wisely.
Smart Repayment Tips from Hexafin
Start Small EMIs During Your Course
Paying even ₹2,000 to ₹5,000 a month can reduce interest burden.Use Your Foreign Income Smartly
Set aside at least 30 to 40% of your monthly salary for loan repayment.Cut Unnecessary Expenses
Focus on savings for the first few years after graduation.- Choose the Right Loan Plan
Hexafin helps you compare lenders to get the lowest interest and best repayment terms.
Real Example
Loan Amount: ₹28 lakhs
Course: MS in Computer Science (USA)
Job: Software Engineer with $80,000 salary
EMI Paid: ₹1 lakh per month
Loan Closed: In 2 years and 9 months
With Hexafin’s expert guidance, the student was debt-free even before turning 27.
Final Words
Repaying a ₹25+ lakh abroad education loan in 2 to 3 years is possible.
It requires the right loan plan, a good job, smart money habits, and expert support.
And that’s where Hexafin helps you make it happen.
Looking for an Abroad Education Loan?
Hexafin offers:
Loan up to ₹50 lakhs and more
Low interest rates
Easy approvals
Support for top countries: USA, UK, Canada, Ireland, Germany, Australia
Full guidance from application to repayment
📞 Contact Hexafin today. Your international future begins with the right financial partner.