[streamline]

an MS in CS probably, and its worth it for Indian students, Assuming you get admitted to a descent school, you need to pay ~ 50 k$ [lesser if you get TA or RA ship] for a year or two, and then you can get jobs that pay around 75k+. also you are assured an employment status for at least 29 months post graduation.

Note: I am assuming a Good School [GATECH, Columbia, Cornell, TAMU, UT Austin, NCSU] and a good student.

you can pay back entire loan in at most three years, even earlier if you end up at MSFT, or similar places. Parents generally pay a significant portion of the tuition using their savings.

Also undergraduate education is damn cheap in India, Tuition is around 2K - 8K$ for four years. Hence most of the students are debt free.