A young graduate's perspective on the return on investment (ROI) of studying abroad has sparked a lively discussion on social media. The debate began after a 22-year-old named Ekta shared why she believes the value of her Rs 40 lakh education loan goes far beyond salary figures and repayment calculations.Her comments have resonated with some users who see education as an investment in opportunities and relationships. Others, however, questioned whether networking benefits can truly justify taking on such a large financial burden at a young age.Rs 40 lakh study abroad loan sparks discussion on ROIIn a video shared on Instagram, Ekta explained that she took a Rs 40 lakh loan when she was 20 years old to pursue a Master's degree at INSEAD, a globally recognised business school. Addressing one of the most common questions she receives, she said: "I know that the money is important, but if you graduate from a good university then you will pay it back. Because you will have opportunities that come with it."Her remarks quickly gained attention online, with viewers weighing the financial and personal benefits of studying abroad.Why Ekta believes ROI is more than just moneyAccording to Ekta, many people focus only on future earnings when calculating the return on investment of higher education. She argued that such calculations often overlook other valuable outcomes.Listing the benefits she gained from her experience, she said: "Now I have friends in 33 different countries, I have access to an alumni network of more than 20,000 people, who are all over the world in the biggest companies."She also highlighted the life experiences she gained during her studies."I have had experiences at the age of 22 that no 40-year-old would have and most importantly, I have made friends for life."For Ekta, these personal and professional connections form a significant part of the return on her investment.'Your network is your net worth'One statement from the video attracted particular attention."This might sound cliché, but your network is genuinely your net worth."The phrase has long been popular in business and entrepreneurship circles. It suggests that relationships, connections and professional networks can create opportunities that money alone cannot buy.Supporters of this view argue that networking can lead to career growth, mentorship opportunities, business partnerships and access to global markets.However, critics point out that networking benefits can be difficult to measure and may not immediately help graduates manage education loan repayments.Social media users divided over study abroad benefitsThe video generated a mixed response from viewers.Many praised Ekta's outlook and agreed that education should not be judged solely by salary outcomes.Comments included: "Absolutely correct.""Couldn't agree more. Network equals net worth."Others admired her confidence and ambition, viewing her experience as an example of investing in long-term growth rather than focusing only on short-term financial returns.Questions raised about loan repayment and practical valueNot everyone was convinced.Several users questioned how networking benefits translate into real financial gains.One viewer asked: "How much do you make now?"Another questioned whether international connections could help with loan repayments, writing: "People from 33 countries won't pay the EMI."Some users also wondered how the non-financial benefits she described could be measured against a Rs 40 lakh debt.The discussion highlighted a broader debate faced by many students considering overseas education: should success be measured purely in financial terms, or should personal growth and global exposure also be considered? Netizens seek clarification on her educational journeyApart from the ROI debate, some viewers questioned details of Ekta's academic timeline.One comment pointed out that many students complete undergraduate studies at 21 or 22 years of age and wondered how she had already completed a Master's degree by 22.Others sought clarification regarding the specific programme she pursued at INSEAD, noting that the institution's MBA programmes typically require several years of professional work experience.These questions added another layer to the online discussion, with users seeking more information about her educational path.Is studying abroad worth the investment?The debate reflects a question many students and families face when considering international education.The financial cost of studying abroad can be substantial, particularly when tuition fees, accommodation, travel and living expenses are combined. As a result, many prospective students carefully analyse expected earnings after graduation.At the same time, supporters of international education argue that exposure to different cultures, access to global networks and personal development can provide lifelong benefits that are difficult to quantify.The answer often depends on individual goals, career aspirations, financial circumstances and the opportunities created after graduation.The bigger conversation about education and ROIEkta's viral video has reignited an ongoing discussion about the true value of higher education.While some people see education primarily as a pathway to higher earnings, others view it as an investment in skills, experiences and relationships that can shape an entire career.Whether one agrees with her perspective or not, the conversation highlights an important reality: the return on investment from education is not always measured solely in pounds, dollars or rupees.For many graduates, the lessons learned, the people met and the opportunities gained may prove just as valuable as the degree itself.Disclaimer: This story is for informational and educational purposes only. The views, opinions and recommendations mentioned above are based on user-generated content shared on social media and do not reflect those of ET.com. Readers are advised to consult qualified financial advisers or certified experts before making any investment or financial decisions.