NUS man!

the reasons? well all the previous posters did a superb job of explaining them, so i wont cover what's been said.

- Singapore's not bad AT ALL! Racism will probably be the last thing you should worry about. I dont think Brits are 'that' kind to foreigners, especially Asians.

- So u wanna experience so-called 'western culture'.
You can do that even if u graduated from NUS. Travelling around the world is so common nowadays, and the airplane tickets are pretty affordable!
Travelling once a year to a different country sounds cool.
If u were in debt, how ya gonna travel? you're gonna work like a horse!