Young man do you know how much is RM400k ? You assume you can repay it off by working in UK etc etc. Wait till you start paying. Only then you will realize the true value of what RM400k is worth. Make the decision yourself.

But dont regret it when you become a slave to work due to repaying that HUGE LOAN.

@zstan
its true 400k is nothing compared to 1million. BUT!!!! TS is BORROWING THE MONEY ! If you are unable to get a job in the UK (you may think you can but actually thinking you may get a job and getting a job is 2 different things) and you have to come back to malaysia and work, thats the end of your life.

Judging by the interest rate and the earning wages in Malaysia, you will have to work until maybe 30 or possibly 35 with minimal spendings (savings of maybe up to 75% of your monthly salary) to fully repay your loans.

Even if you are able to secure a job in UK, the taxes there will directly impact your income. Dont forget you will need to apply for PR/VISA/whatever to work in the UK and this is not necessarily bourne by your employer (my friend told me the current rates as of late 2009 is GBP4k to get a so called permit (forgot what is the name of the document) to be allowed to stay in the UK and job hunt after ur studies.

Being young, if you do not have any burdens etc, I would recommend you to take the gamble and try to get a job in the UK. But if you are BORROWING the money, my suggestion, go to singapore.