Hi first of all I would like to suggest to explore job opportunities in India as with many companies outsourcing, the options are really huge for fresh graduates like you. Analyze the job market in India & if possible work in your chosen field to gte experience which is valuable for your future be it further studies or career. Also you can explore the various loan facilities which banks offer for higher studies in the US. See if they fit your requirement. But still my frank opinion will be look in India.. Its the most happening place in terms of Technology.