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Expensive or not will vary greatly from one family to another. I will take my family and my very close friend's as an example.My family's annual income is about 21L INR. My father took a loan this year to buy an apartment and he took a loan two years back to buy a car. Annual payments to the repayment of both the loans amount to a total of 8.4L (approximately). That leaves 12.6L out of which if we deduct 6L as college fee and additional 1.6L as accommodation and every other college expense, the family is left with 4L per year for everything else (food, electricity, petrol, gas, clothes, entertainment etc). Apart from that we have total savings of about 13L. I believe that 6L per year without accommodation is a borderline expensive college for us, we can afford that college but will like to have some cheaper and equally good alternatives.On the other hand my friend's family earns 15L per year and he has two younger sisters. After deducting his and his sisters fee (including his accommodation and overhead expenses) the family would be left with around 4.4L. His father also took a loan recently for a car so that amount should also be deducted and I guess that the family of five will be left with 3.4L (approximately). Now for that family the college is really expensive. Is like my family his family consisted of only three members (including him) instead of six (including him) I would say that the college was still accessible. But right now no, unless the family decides to take a loan.
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