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.