Based on sources, it appears that Student Exchange Programme (SEP) will cost about 15k - 20k if Europe, US or Canada is chosen. Given my high debt, it is not possible to add more to the debt pile and go and enjoy my 6 months. It will certainly be a good break from the rat race in Singapore and choose to learn things at your own pace where the pressure is just to pass the modules. Furthermore, it will be a good opportunity to immerse in the cultures of other countries. However, usually the question will be about money. Do you have the money to spare? If you can spend the 15k - 20k without batting your eyes, SEP should provide a good experience. However, in my case, there is no need to go through the process of thinking where to go, what modules to map, because I have no money.
No money.
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