Correct me if I’m wrong, but your comment here gives me the impression that you are asking an awfully general question, but actually want the answer to a very concrete question: “Should I study X at a top uni abroad, any uni at home, or not at all, given that I’m good enough to choose myself but will have to make debts to study”. This would be a much easier question for us to answer, especially if you tell us what X is, whether you’d want to continue with a postgrad, and maybe what you goals are for the time after your studies. It’s perfectly ok not to know all of these yet, but some info would help.
Correct me if I’m wrong, but your comment here gives me the impression that you are asking an awfully general question, but actually want the answer to a very concrete question: “Should I study X at a top uni abroad, any uni at home, or not at all, given that I’m good enough to choose myself but will have to make debts to study”. This would be a much easier question for us to answer, especially if you tell us what X is, whether you’d want to continue with a postgrad, and maybe what you goals are for the time after your studies. It’s perfectly ok not to know all of these yet, but some info would help.