Tom, also, IF you take out a loan, and something, god forbid, goes bad, you lose your job, can't pay the loan, quite frankly, you will 100% effed. You will not be able to leave the country, you will, unless your former employer gives you NOC, (No objction letter), which most likely they won't,not be able find another job, you are stuck. Has happened before, will happen again.

I am not saying this will happen to you, but it can.Taking out a loan here can be risky.

Research my friend, research VERY WELL.