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PhDs in CS don't accumulate debt, as they're paid to do it (I bought a house while doing my PhD), are in huge demand and have no trouble getting relevant industry jobs. I don't see what you're seeing at all.

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Which corner of the world are you're in?

Admittedly I'm not exactly in the center of the known world.

This is how PhDs work and the opportunities they have at least in Europe, Australia, Japan, North America.

Just had a look at the available scholarships at the local uni and most would barely cover the fees and as for buying a house, hah, not even if the fees were free.

Technical PhDs are funded positions via grants, you most likely cannot just search for available scholarships. Very few technical PhDs are on scholarships, as they're usually more complex than just being funded by your advisor. The typical large research school stipend is 28-35k a year post tax paid as salary (ie tuition is already covered, etc.).

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