“Also, in my country I must take a test in order to qualify to go on for my PhD. I hope to qualify to take that test and do well enough on it to continue my education.”
“But wouldn’t that be expensive? College over here is very expensive, and most students incur a lot of debt even just to get a bachelor’s degree. Do you have a scholarship for your studies?”
“No, I am not that fortunate. There are not many scholarships here like in the West. I have borrowed money from various people. Banks charging interest are frowned upon in Muslim countries, as that is pretty much against our religion. I owe a lot of people a lot of money, which I will have to be sure to pay back one day, as these people have had the faith in me that I will do so.”