USA Office
INDIA OfficeROI of STEM vs Non-STEM Courses Abroad: Study Abroad Loan Repayment Outlook
Introduction
Every Indian student planning to study abroad eventually faces the big question: Which course will give me the best return on investment (ROI)? While passion and career goals matter, the reality is that most of us take an education loan to make this dream possible. That means your future income and loan repayment ability are just as important as the university brand or location.
The debate usually comes down to STEM (Science, Technology, Engineering, Math) vs Non-STEM courses like Arts, Business, Media, or Law. In 2025, global job markets are shifting fast, and the repayment outlook for these two categories is evolving. This blog breaks down costs, salaries, job trends, and loan repayment scenarios so you can make an informed choice.
What Counts as STEM and Non-STEM Abroad
- STEM Courses: Data science, AI, engineering, biotech, healthcare, computer science. They are often considered "high demand" fields and are supported by special visa pathways in countries like the USA, UK, and Canada.
- Non-STEM Courses: Humanities, arts, business, law, international relations, communication, and media. These courses offer diverse career paths but are often more competitive in the job market.
Both categories have value, but their ROI in terms of salary and loan repayment differs significantly.
Average Costs of STEM vs Non-STEM Courses
- STEM: Tuition ranges from $40,000 to $70,000 per year depending on program and country. Lab fees and research costs add extra.
- Non-STEM: Tuition may be slightly lower ($30,000 to $55,000 per year), but funding and scholarships are more limited.
Loan eligibility for both depends on admission and academic profile, but repayment speed is largely dictated by post-study salaries.
Job Market 2025 for STEM Graduates
- Global demand for AI specialists, renewable energy engineers, and healthcare professionals is booming.
- In the US, median salary for a STEM graduate in 2025 is estimated between $85,000 and $100,000.
- Loan repayment window: 5–7 years, often faster with STEM OPT and high-paying jobs.
Job Market 2025 for Non-STEM Graduates
- Non-STEM jobs in media, policy, law, and design remain competitive, with more modest pay.
- Average starting salaries are around $45,000 to $65,000 in the US.
- Loan repayment window: 8–12 years, depending on lifestyle and repayment discipline.
Beyond Salary: What Really Impacts ROI
- Country of study: STEM in Silicon Valley is very different from STEM in smaller US states.
- Post-study work visas: USA’s STEM OPT gives up to 3 years of work authorization vs 1 year for most Non-STEM courses.
- Personal goals: Some students prioritize quick repayment; others value passion-driven careers.
Top Countries for STEM Courses in 2025
| Country | Why It’s Strong in STEM | Avg Starting Salary for STEM Graduates (USD) |
|---|---|---|
| USA | Tech & AI hub, Silicon Valley, H1-B pathway | $85,000–100,000 |
| Germany | Engineering & green energy, low tuition | $70,000–80,000 |
| Canada | AI, biotech, strong government STEM focus | $65,000–75,000 |
| Australia | Biotech, mining engineering, PR pathways | $65,000–72,000 |
| UK | Fintech, AI, top global research hubs | $70,000–85,000 |
These destinations combine cutting-edge industries with post-study work opportunities, making them ideal for students who want strong ROI.
Top Countries for Non-STEM Courses in 2025
| Country | Why It’s Strong in Non-STEM | Avg Starting Salary for Non-STEM Graduates (USD) |
|---|---|---|
| UK | Law, arts, creative industries, media hubs | $55,000–65,000 |
| Canada | Business & humanities with PR pathways | $45,000–55,000 |
| France | Fashion, hospitality, arts | $42,000–52,000 |
| USA | Business schools, liberal arts, IR programs | $50,000–60,000 |
| Netherlands | Design, sustainability, international law | $48,000–58,000 |
These countries are excellent for students passionate about business, arts, or policy — though salaries are lower initially, the global exposure can open diverse long-term opportunities.
How Lorien Finance Guides ROI Decisions
Choosing between STEM and Non-STEM is more than a career choice — it’s a financial decision too. At Lorien Finance:
- Counsellors model EMI-to-salary ratios for both STEM and Non-STEM pathways.
- We guide you on lender options with flexible moratoriums and repayment holidays.
- As part of our study abroad essential services, we help with forex, insurance, and financial planning.
- USP: quick loan sanction and disbursal, provided with complete verified documentation.
Conclusion
Both STEM and Non-STEM courses abroad can deliver life-changing careers. STEM usually offers faster repayment and stronger financial ROI, while Non-STEM appeals to passion-driven students ready for a longer repayment horizon. The key is understanding the numbers before committing. At Lorien Finance, we help you weigh costs, salaries, and loan options so your degree pays off financially and personally. Start planning your loan with Lorien Finance today.
FAQs
Which has better ROI — STEM or Non-STEM abroad?
STEM usually, thanks to higher starting salaries and longer visa durations.
Do banks prefer giving loans for STEM?
Not directly, but higher ROI makes repayment safer. Loan sanction depends on admission and profile.
Can Non-STEM students still get no-cosigner loans?
Yes, depending on lender and university reputation.
What if my Non-STEM salary is lower than EMI?
Flexible repayment structures and grace periods can help bridge the gap.