by alephnerd | 2025-11-10 14:39:13+00:00
> But what about after masters? ... and then entering the job market. Is the base salary for those people still high?

Not really especially when you factor in international tuition and loan servicing.

While it does depend on the program they attended, their past work experience in India, and their ability to land internships, in general I'd say salaries tend to be at the 25th percentile and below of what is shown on levels.fyi nationally.

But in all honestly, newly graduated masters students would be in the same boat as domestic undergrads if not worse becuase there isn't an incentive to hire an international student domestically and then go through the jumla of filing their H1B while they are on OPT unless they are a unicorn but if you are a unicorn, why would you even do a course based masters?!?

In fact, most of the complaints on HN about "H1Bs undercutting American salaries" tend to be these kinds of students because of how desperate they are to pay off a 1.5 to 2 crore loan with double digit interest rates despite having almost no scope of getting hired here in the US.

> for people who did not manage to get top 10% salaries here, the risk/reward is completely different

Yep.

Personal anecdote wise, I had a cousin who was working at Tech Mahindra in Chandigarh so on the lower end of salaries and got the US MS fuwara and they ended up attending UF (which is expensive and not a target).

We warned him not to come, but he didn't listen.

After spending almost $150k/1.5 crore getting the degree, the only SWE roles he could get could only pay $70k-80k in the NYC/NJ area which meant their take home after tax was rent was a little under $30k a year and this was during the 2022-24 period so no one wants to sponsor and he had a massive loan/EMI to pay off that was in the $17k-22k range a year.

He basically burnt through an extreme amount of family net worth (which was significant as they owned a house in Chandigarh) just to service a loan and basically remain in the same spot as before.

Another cousin did something similar to go to Canada despite us warning them not to do so either and their career is functionally screwed because it's even harder to find a role in Canada, but at least they attended a "college" so the tuition hit wasn't as severe.

In both cases it did not make financial sense for either to leave India for North America - their families had enough money in India that they could have bought significant property in Chandigarh and NCR and build generational wealth despite not necessarily working in the best jobs, but a lot of capital was basically burnt in loan repayment.

Like, let's be honest - the only people coming to the US to do a masters have a significant amount of capital because no one is going to guarantee a 2 crore loan without significant collateral, but at that point there are just better asset classes to diversify into.

From a financial standpoint, if you are Indian, it honestly isn't worth it doing some random coursework based masters in the US because in most cases you just aren't going to be hired by good companies anyhow, because none of us are willing to spend the capital to sponsor for an H1B after OPT unless you somehow ended up at a GAYMAN.