Emigrate. You speak English, Portuguese and ... ? You've got tech skills, there are tech visas for a lot of developed countries. Spend < 10 years working abroad and pay off your loan and move back to Brazil with some wonderful life experience. Also, in a native English-speaking (British Isles, US, Canada, Oz and Kiwiland) country the second language is a total bonus a lot of time ... If you've got commitments that tie you to Brazil see if they can be loosened for a few years :)

I think a lot about that, but I am yet to figure where I should go, and how to do it.

Emigrating sounds a lot easier when you find a job elsewhere and is invited.

You hang out on HN long enough someone is bound to offer you one, but you should probably fill out your profile some more (email address and name, minimally). But even if they don't reach out to you, there are job opportunities posted almost every day. If you have the skill (you're here... it stands to reason) and put in the effort, you could be on a plane in a few months.

I'm curious about this. What sort of tech visas are available if I wanted to go to Britain, or the US?

Dude, I'm sorry about your debt, but I'm sure you can find a better paying job eventually.

> Here in Brazil the best wage you can get as programmer, is still around 36k (yes, I am not kidding).

Assuming you mean 36k USD, that's about R$5500 per month (assuming you're on CLT=permanent employee, not a contractor). That's on the lower end for a senior programmer [1] in São Paulo. You can certainly earn more than that if you're good and you do some professional networking.

In any case, debt apart, 36k isn't such a bad salary to live on in São Paulo if you're single.

[1] http://www.guj.com.br/java/263096-salario-para-profissionais...

I regret it, but wouldn't change anything I think. I met my wife at college and would never had met her otherwise. That's the only thing I got from my college years.

It was fun and I learned a lot, but I'm 80k in debt and not making much more than I was working in the factories and warehouses.

Give me 3-4 years more and I'll be better off, but right now it just sucks.

I don't want to speak for you, but it sounds more like the debt sucks, not so much college and the experience? I can understand that. I haven't finished my degree (yet!), but I promised myself I would never go into debt for it. I sorely miss my college days!

How did you manage to get this amount of loan in Brazil? Even without the public schools, you can get a fair amount of discount using FIES and other gorvenement programs.

Which school did you study?

Anhembi Morumbi (don't EVER go there, if they could they would charge you even for looking at their buildings).

Also I got loan from CEBRADE.

It works by you paying 30% of your current tuition, and then paying the other 70% later, but at the current tuition rates.

When I started, my tuition was 960, I paid 30% of that.

Now I pay 1100 monthly (yes, it means that current students have a tuition that is around 1500)

omfg. I know Anhembi Morumbi, it`s not that good from what I heard. This is fairly an overrated price. So you still have years to pay back? That's awful =/

Even now, where we can get a worldclass education with coursera, Udacity and a nice programming skill with code Academy.

Hey Speeder, send me your email. You seem like a interesting person!