Settle back in India for good? Ummm let me think!
So I recently visited India for vacation. While I was there,
the most common question asked by friends and relatives was: "Why don’t you come
back to India? Enough of staying abroad". I had to make an ‘I don’t know’ face in front of them because I
know that question is not answerable in a simple Yes or No. So
let me try to answer that question in the shortest form possible!
Let me start from the beginning. I came to this country in
year 2006 as a student. I had a burden of education loan on my back when I
landed here. Not that my parents weren’t able to afford my college fees but after
working for a year in the IT industry, it felt shameful to ask to parents for
money. That education loan kept building up with each semester as I ordered
checks from my bank to pay towards my college fees. At the end of my
educational cycle, I had quite a heap of debt sitting on the back of my
neck. The bank allows you a grace period of one year before you can start
re-paying the loan so I had immense pressure on myself to find a job.
I passed out in 2008 and started looking for a job. Autumn of
2008 was insane where the big financial crisis of 2007-08 had taken place and jobs were
being slashed. Many of my college mates had to return to India because they
weren’t able to find a job here in the US. I was lucky to have survived and
found a job for myself. There
was a lot of mental stress during those days where finding a job was extremely difficult. Well, that is my first reason why I don't want to come back to India right now.
I had a very hard time finding a job here and I don't want to quit now. I have seen my classmates head back to India with no jobs under their belt. I have found a good one with extreme efforts and I don’t want to look back.
Anyways, my job started and things got a little better (There
is light at the end of every tunnel). Soon I started to re-pay my education
loan which was of course in dollars. So I had to earn in dollars if I had to
survive with paying that hefty amount each month to the bank. That was my
second reason to stay here. I had to earn in dollars because I was paying in
dollars to my bank. Banks in India charge a good 11-13% interest rate on
education loans so it took me 5 years to get that loan off my back. So 5 years
gone and I didn’t come back to India (You already know a few reasons why I didn't!)
Well, in the meantime several major events happened in my
life. I got married. I had saved very less money because I was paying my loan
for the past 5 years so now saving money and family responsibility was a top
priority. Also, in the meantime my company was ready to sponsor my green card.
That was a good news! I knew so many people who had to return to India because
their employer didn’t file for their green card. I was lucky that I was getting
an opportunity to become a permanent resident of this country. My honest work had paid off in a good way. How
could I let it go? I couldn’t. Now there comes my third reason for not
returning back to India. My green card was being filed and I had to get it!
Approval of green card takes anywhere between 5 to 10 years so now I am at a
phase where I am waiting for it to get approved and just can't leave everything and come back.
Also, once my green card processing was approved, I got a
home for myself. It made no sense to keep paying rent to someone else every
month. Buying a home was a good investment and I had to take that decision.
There comes my fourth strong reason to stay here. I have a commitment towards a
mortgage now and I have to stay here longer to make my investment well worth.
To sum up, there is a very vicious cycle of events that makes
one stay away from their country. It is like a big maze. You keep walking into
it only to realize that the point of entrance is now out of sight. I am sure many Indians who live outside of India
have similar stories. And I also
believe this post would clear doubts of many people in India who wonder why
their friend or relative isn’t ready to come back to India.
I could
have covered so many other points but I wanted to keep this as short as
possible! Thanks for taking your time and reading through this patiently.