The context of the following conversation is After studying very hard and for a long time, Kai earned a master's degree.:
Kai says Well it took a lot of blood, sweat, and tears-.
The friend responds And nepotism..
Kai responds -but I've finally earned my master's degree!.
The friend responds Paid for with money that you will have to give back from your loan..
Kai responds I worked really hard for this, for years, can't we just be happy? And then I'll think about my student loan later..
The friend responds You're right, let's celebrate now and congrats!.