Is masters abroad still worth the debt and insecurity or will it set me behind by years? Can y'all share your experience with job hunting?

my_qualifications:

I work in IT with a salary of 8LPA 1.5 years of experience 23yo CGPA: 8.4 IELTS: 8.5

So I have this idea of pursuing my masters abroad in 2025 fall only in the hopes of building wealth. I have 3 countries in mind that I want to try: US, Ireland, Germany (In that order). I don't even mind a huge debt given that I have decent to good chances of paying it back.

I know it's a risk but I want my worst case to be I pay back my debt, build no wealth and even lose out on the potential wealth I could've built back home through upskilling+jumping jobs and investing. I don't want the worst case to be coming back with debt that'll take me years to pay back or worse, lose collateral. And my best case to be that I pay back my loan in 2-3 years, build wealth for another 6-7 and then decide whether to come back or not.

I should also say that I'm going through a mild health crisis right now and I really don't want to make it worse. I'm getting a mixed picture from people that I enquire to about whether they can arrange for healthy meals (cook or takeout) and find the time (and resources) to work out

I'm just running out of people who can guide me on these aspects. Everyone in my circle who's going abroad is either because they are desperate to settle abroad because of the deteriorating quality of life in India or they have generational wealth and a lot relatives there which means they're well connected enough to find a job. And a lot of times, both. And so many people in linkedin that I tried to reach out to have just ghosted me, that was actually a shocker tbh. I thought people generally help out aspirants.

I'm really torn as to pursue this or not. I don't hate India. I live on my own and fortunately my family doesn't need any financial support from me except very occasionally. Can someone who's already there, or knows someone who has closed their loans and built wealth guide me about the what the situation is? like how many years did it take to close your loan, build wealth and most importantly, at this point is it even doable to bag a job in the US without connections (not internship, jobs that sponsor your visa).. or am I flawed in my thinking. Don't hold back any criticisms.