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Should I take a student loan to pursue my undergraduate studies in France? 
Edit: lazy math The answer to this question depends on two things: How bad will it be if you cannot repay this loan in the way you expected? - How likely are you to actually get into a PhD program with a stipend? Is there a possibility that you will not get a stipend?  What is the penalty for failure to repay?  Will you have to support yourself after university?  How much money could you expect to earn if you found a job after your undergraduate degree? How much could taking this loan improve your finances/life? - Could you get your degree at anther institution without going into debt?  Would your career be better if you went to Ecole Polytechnique? I would take the loan if: