Axara,

I can totally understand what you are trying to say, ok Amol completed his undergrades with a one semester fees from his parents, but he still has to go with GMAT/GRE to get into grad and must join Master and must work with the same thing that he was doing before. But the one who completed their master, will start earning in 5 figures when Amol is still doing his Masters and will complete his studies by 2017, but XYZ who came for Masters on 2012 completed his studies in 2014, so you have 3 years to earn and pay back in more returns to your parents you have spended on your undergrads and still have a good amount of money with you, with a good job.