Students or their families can borrow loans at favorable interest rates from local banks and repay over an extended period of time. But these must be taken after a great deal of thought. Most loans in Pakistan come with an annual interest burden of 10 to 12 percent. Other terms and conditions have been relaxed to a great extent to make quality education accessible to more students. Repayment begins after one year of course completion. However, students and their families must take into consideration that student’s ability to secure a job and earn in dollars to repay the loan depends on whether he or she gets a work permit visa. Careful planning is both necessary and wise.