@duffy44 2 cases:
I went to US in 2018. Took a loan of 40L. Lived in Arizona so remaining cost of living was low. Needed 3L extra. Our 2 Bed apartment was the collateral.
I could not find a job for 9 months after graduation. 6 of those were due to Covid. I then got a job and paid off my loan last April. I paid about 64 L. Untill that I had very limited savings. I still have no H1B. And will possibly return to India in Sept with small savings.
My sister worked her ass off and got promoted to senior in her company in 5 years. She managed to switch teams to a US team. She got L1A and now has green card. Had amazing savings in India. Lived debt free in US. Like you, she does not want to marry or have kids.
Listen to what the previous commenter said. It is 100 percent sound advise. Right now it is very very tough to get a work visa because most companies are not sponsoring students. The absolute best option is to get L1.
Acquiring huge debt at 28-30 is not a wise decision.
Good luck!