79.9 percentile in JEE Mains with financial issues - Should I pursue BTech CSE at LPU?

Ans: Thoroughly read your question and noted all points.

My suggestions:

1) Please go ahead with (either of) the Branches you would get from Govt. College as you would get 100% Scholarship and you can’t afford for private college.
2) However, while / before completing your BE/BTech, you will have to keep upskilling yourself by getting Certifications (in your domain) from NPTEL, Internshala Platforms or any other Online / Offline Platforms, recommended by your faculties in your College.
3) Also, create a Professional Linkedin Profile and keep updating them every 3-months.
4) The above will enable you to be COMPETENT in Job Market once you complete your Graduation.

Hope the above information is helpful to you.

If you need any other clarifications for you or have questions for anyone, post your questions (in detail) to me and/or follow me here in RediffGURU to know more on ‘Careers / Education / Jobs’.

All The BEST for your Bright Future from RediffGURU.

Nayagam PP
EduJob360
CERTIFIED Career Coach | Career Guru
https://www.linkedin.com/in/edujob360/

Ans: 1. Academic Background:

Secured 1,15,000 CRL rank and 19,000 EWS rank.
12th percentage: 66.2%.
You are a dropper.
2. Educational Choices:

Booked a seat in LPU for B.Tech CSE.
Need to take a loan of Rs 7 lakhs.
Seat booking price is refundable with a deduction of Rs 1,000.
Financial Assessment
1. Loan Implications:

A loan of Rs 7 lakhs will accrue interest over time.
The repayment period may extend several years post-graduation.
Monthly EMIs could be a financial burden, especially at the start of your career.
2. Earning Potential:

B.Tech CSE graduates generally have good earning potential.
Research the average starting salary for LPU graduates in CSE.
Compare this with potential EMIs to assess affordability.
Alternative Options
1. Re-evaluate Other Colleges:

Consider other colleges with lower fees.
Look for government colleges or other private colleges with scholarships.
Utilize your EWS rank for potential advantages in admissions.
2. Cost-Benefit Analysis:

Compare the long-term benefits of the degree from LPU against the debt incurred.
Factor in job placement rates, average starting salaries, and career growth.
Financial Advice
1. Avoid Excessive Debt:

High student loans can impact your financial stability post-graduation.
Opt for a college with a balance of good education and lower fees if possible.
2. Scholarships and Financial Aid:

Apply for scholarships based on merit and need.
Explore financial aid options specific to your situation.
3. Part-Time Work:

Consider part-time jobs or internships during your studies.
This can help manage living expenses and reduce reliance on loans.
Decision-Making
1. Pros and Cons of LPU:

Pros: Good facilities, diverse student community, strong CSE program.
Cons: High cost leading to significant debt.
2. Explore All Options:

Revisit other colleges and financial aid possibilities.
Assess the return on investment for each option.
Final Insights
Prioritize minimizing debt while ensuring a quality education. Explore scholarships and part-time work opportunities. Make an informed decision based on thorough research and financial planning.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

Ans: Go for LPU

Ans: Yes. But do thorough Research about UPSC Exam before starting to prepare for it. Have Plans B & C for some other career options also for your BA with Specialization. All the BEST for Your Bright Future.

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