u/INSANE-WOLF02

Hey everyone, I just received an offer for the Computer Science & Engineering (CSE) program at CUHK Shenzhen (2026 intake). I didn't land a scholarship, so I'm looking at the full international tuition.

The Financials:

• Tuition: 140,000 CNY per year
• Total for 4 years: 560,000 CNY
• Family Contribution: My parents can cover about per year (~70952.93 CNY).
• The Gap: I’d need to take a loan of roughly 60**,000 CNY per year**, over the degree for tuition alone (excluding living costs).
• Long-term goal: A PhD at a top-tier US school (MIT/Stanford/CMU).
• Backup plan: Work in Shenzhen's tech hub (Tencent/DJI/Huawei) before heading to the US

My Questions:

1. Is a 2,40000 loan worth it for a CUHK degree awarded in Shenzhen?
2. Does the "Shenzhen advantage" (internships at DJI/Tencent) justify the debt compared to colleges in malsyia such as utm?
3. How is the reputation of CUHK-SZ in the US for PhD admissions?

"I also applied to HKUST-GZ (Guangzhou) and am waiting on scholarship news there. If I get a full or partial scholarship at HKUST-GZ, would that be a better move than taking a ~25 Lakh loan for CUHK-SZ?

My specific goals:

• Hardware-aware software & Robotics (Drones/Maglev).
• PhD at MIT/Stanford/CMU.
• High GPA is crucial for me."