India, June 5 -- A 22-year-old woman has gone viral on Instagram for explaining her decision to take a Rs.40 lakh education loan for her master's abroad when she was just 20. She argues that return on investment should not be measured only in monetary terms. The post has sparked a wider debate on education costs and financial risk.

The video was shared by the Instagram page @ekta.explains, where the woman, Ekta, introduces herself and talks about studying at INSEAD, one of the world's leading business schools. She explains that she financed her education through a Rs.40 lakh loan, a decision many people question when discussing ROI.

"Everyone asks me about the ROI, and here's what I tell them," she says in the clip. "Money is important,...