£18,000 later, was my master’s degree worth the investment?

For me, 2010 was the year of living dangerously. I quit my ‘lucrative’ job at a local Nigerian bank to fulfill my goal of joining the group of Nigerians who constitute 11.9%  of students in the United Kingdom (U.K). I believed that obtaining a master’s degree was imperative and timely. My decision was made more prominent in the face of an economic decline, fragile labour market conditions and a home-grown banking crisis partly insulated from the global one. Staff morale was at an all time low and it was apparent that the cheese had moved.

While all this was going on, I considered moving to another bank for the colloquial ‘next level’, but deep within me, I knew that such a career move was a horizontal one. I needed a vertical move, a quantum leap. Rather than take the option of an unpaid student leave, I decided to quit all together; that was my own way of crossing the bridge and burning it. The financial challenge was daunting, but I took solace in my belief that the eventual reward was greater than the immediate risk. In order to achieve my goal, I became a salesman of some sort, selling every asset I could come by: shares, skills, my car, properties etc.

Here I was at the University of Manchester (UoM), after crossing the hurdles of writing personal statements, securing reference letters, attending GMAT lessons and accepting ‘rejection emails’. I had wanted to study at the Judge Business School (Cambridge) or London Business School (LBS), but Cambridge “had carefully considered my application and regrettably decided not to invite me for an interview”. They tried to pacify me by claiming that “the decision was a result of the high degree of competition, not because of any specific weakness in the application”. I laughed. Likewise, LBS claimed that “the admissions committee was impressed with my application…but was sorry to have to disappoint me”. Now that got to me. At the end of the day, I was glad to be in Manchester.

At UoM, the learning curve was short but steep, and the teaching method was a lot different from what I was accustomed to. I was used to being ‘taught’, not lectured; I was more familiar with dictated notes and detailed explanations, not fancy presentations and cursory reviews. Without trying to devalue the experience, I must admit that there were moments when I struggled to remember why I had enrolled on the programme. Naturally, pertinent questions followed: was I getting value for money? Was 4 years of capital accumulation being squandered or being deployed to productive use? Interestingly, some of my colleagues expressed similar concerns about whether their expectations of the programme were being met. While these internal debates raged, I battled with more mundane issues like time management, little daylight hours, a long-distance relationship and what seemed like a mild depression. That is what studying in the U.K does to you. I took solace in the internet and its numerous social networking platforms: Youtube became my television, Facebook was my tabloid magazine and Twitter was more or less my daily newspaper. Skype was like oxygen, I needed it to survive.

These challenges paled into insignificance when exams drew near and essays were due for submission; and then came the dissertation writing period, when food and sleep became a luxury. It was a nerve wrecking experience and the fact that I was undertaking an internship concurrently made it more difficult. I did not enjoy writing my dissertation, but I enjoyed reading what I had written. Looking back, I feel that the curriculum placed too much emphasis on the student’s “capacity to undertake independent study”, but retrospect can make things a little hazy. As a matter of fact, it was while writing my dissertation that I realized I had acquired the planning, writing and research skills as guaranteed by my department when I enrolled on the programme.

Often, I am asked whether a foreign master’s degree is worth the investment. An impulsive answer would be YES, but after careful consideration, my response tends to be contextual. I am always quick to point out an example of two friends of mine who decided not to undertake a master’s degree in the same year that I did. Although we are in different career paths, we belong to the same age group and had roughly equal years of work experience in our respective organisations. About half-way through my programme, they both took up important and lucrative roles in multinationals – one, an oil producing company and the other a global technological giant with a regional office in Nigeria. Nevertheless, they still plan to pursue post-graduate degrees abroad, although for both of them, there has been a shift from a specialist masters to an MBA. My point – I guess it is just a matter of timing, at least for individuals interested in building a career. Perhaps, the relevant question should not be “is it worth it?” but rather – “when should I do it?”

Looking back, is my master’s degree worth more than the paper it was printed on? In terms of content and delivery, I must admit that my expectations were not fully met; however, in terms of prospects, they were exceeded. Overall, I gained immense benefits from my degree. In addition to the promised benefits of cutting-edge knowledge, critical thinking skills and access to global networks, personal benefits abound. I have a more focused sense of my career goals and my degree has certainly enhanced my profile among potential employers. Moreover, I have had a year out to evade the recession, although it still prevails.

£18,000 (incl. associated costs) is a lot of money to spend on an experience that will end up as a bullet point on your CV, so it is not surprising that the average graduate is preoccupied with overcoming the immediate challenge of converting the knowledge gained to income. Before taking the plunge and joining the “11.9%”, it is important to evaluate the total cost of a master’s degree and the prospects of recouping it from a higher salary after graduation; nevertheless, a more pertinent issue is whether the degree helps to meet ones career ambitions. In a rapidly globalized world, a foreign degree comes in handy for individuals who can leverage the international aspect of the degree, particularly the opportunities it presents. That said, if I were to pursue another post-graduate degree, it would likely be a part-time programme, except it is fully sponsored.

  1. I love your article,throws light on a lot of issues.
    I for one think it isn’t usually worth it.
    I am an MSc + M.Engr student and If I wasn’t on a full schorlaship,I would have opted out. Pure waste of my time.
    The only reason I would support anyone doing it is because Nigeria is still more into paper than knowledge,otherwise ZERO !


  2. Thanks Dare. Pure waste of time? Wow! This issue is such a polarising one that depends very much on individual experience.

    • @ikagu101
    • January 28th, 2012

    Hey Kola,
    Great piece here…. I accept your views a lot. People just want to get a masters degree to fulfill all righteousness… They forget to ask themselves, ‘what is in it for me’… This is the one question that guides,and it does guide a whole lot…

    • oladapo
    • January 28th, 2012

    Impressive articule but divergent opinnions will certainly be the case.What we have here is your personal experience as it unfolds through the past few years but to some others its a path to salvation in many regards. There is always a Story attached to a Man’s life. As for me I will and shall always remain a macavellist ” the end justifies the means”.

    • tolu
    • January 28th, 2012

    hey couz love ur piece its got me thinking lol.

    • Osato Aghatise
    • January 28th, 2012

    I agree with Kola on Dare’s comment; one’s position on the value of a post graduate degree depends on individual experience. In addition, the school attended, and ones motivations for embarking on a postgraduate degree in the first place determine how valuable it is.

    I for one have an MSc degree and I can say that the return on investment has been good; both financially and in terms of the knowledge and skills gotten from it.

    Like Kola pointed out in his article, I believe that the timing is very crucial in deciding whether or not to go for postgraduate study.

    Although the tangible benefits (better paying/better job) can sometimes be delayed, I am still of the opinion that the return on investment makes sense.

    • Osato, you are absolutely right when you talk about motivation and timing. Ditto Ikagu.Those are two intangible factors that can make or mar the experience.I have gradually realized that acquiring a master’s degree is akin to paying an institution to put you in a vehicle which you drive alone to your desired destination.

  3. Very beautiful piece here,

    I am 5 months into my MSc. now and I can say that I have learned so much and gained so many background skills (time management, technical report writing, presentation skills etc. if I may call them that) that I was terrible at, without even knowing it.

    Maybe the reason I believe I have gained so much is that I knew I did not particularly like the focus of my first degree and I decided to switch into another field of engineering.

    I am not having fun in any way because as you said, 24 hours is still not enough, but at the end of the day, those final reports I hand in always make me smile. I think another reason is my schools focus on professionalism and practicality.

    Finally, maybe I might not be thinking about it in the way others see it because I am on a fully funded programme, but right now, with 7 months to go, I am really happy with what I have gained so far, yes I have done some modules that I believe are a complete waste of my time, but on the whole, the big picture makes everything worth it for me.

  4. Thanks for posting your experience so that others can make an objective decision on whether to undertake their masters program abroad or not. Co-incidentally, a friend of mine recently echoed sentiments similar to yours. I look forward to reading others’ views to help prospective students in making informed decisions. Thanks again.

    • rolake
    • January 28th, 2012

    This is such a wonderful article; I think it should be published in a national newspaper. Bravo!

  5. Tolu, I hope you are thinking in that direction :).

    Dapo: lol @ “the end justifies the means”. True.

    Ademuyiwa: I can totally relate with your comment – “but at the end of the day, those final reports I hand in always make me smile….on the whole, the big picture makes everything worth it for me”. Also, congratulations on your scholarship.

    @Isimemen: You’re welcome.

    • debola
    • January 28th, 2012

    Very lovely and insightful piece here kudos!
    That said I will like to state that a lot of people embark on this masters journey for different reasons.amongst which are a change of environment, d diverse cultures and interacting with highly skilled people that will most definitely be handy in the future.
    I think a masters degree is a worthy investment and goes way beyond d knowledge amassed.
    I intend goin for mine next year and ill be damned if I don’t enjoy every bit of it regardless of how daunting it is.

    • Thanks Debola. I share your sentiments and you will certainly enjoy the experience.

  6. Nice write up. I love this part; “Youtube became my television, Facebook was my tabloid magazine and Twitter was more or less my daily newspaper. Skype was like oxygen, I needed it to survive.”

    To the question, I think it depends on why you enrolled for the degree; content? networking? expand your knowledge base? a year off from work?

    I am currently undergoing my 3rd Masters, and I dare say I have enjoyed each one, albeit for different reasons

    • Hi Idris, I enrolled for the reasons you highlighted among a few others. But 3 master’s degrees?? Wow! What could be your motivation? Why not do a PhD? Perhaps we need to discuss.

      Meanwhile I went through your blog and I must say you are doing a great job. Well done.

      • Thanks for your comments about my blog. Finding time to write is difficult though.

        For my first Msc, which was in Computer Science in the US, the motivation was largely to expand my horizons and prepare myself to compete globally. I left a very good job in Nigeria (Procter & Gamble) to pursue the Masters, and it was worth it-partly funded by my funds and a University scholarship/RA.

        The 2nd Masters was about 5 years later, and was an MBA at a top school in the US, this time funded by the oil&gas company I worked for in the US. The motivation was that having proven myself technically, it was time to broaden my appeal , and learn more about the business side of things. It was a great experience in terms of the content, the network and how it really stretched my thinking.

        My 3rd Msc (Global Health) was an outcome of my MBA during which I had gotten interested in building social enterprises around the use of technology in health. Hence when I got the opportunity of a scholarship to the UK for this, I left my job once again. For me, its a gap year away from work, its expanding my horizons into the field of health, and building new networks in the UK, and it does not hurt that its at a school like Oxford.

        To your question about a Phd. I see a Phd as the fulfillment of a deep interest in a particular subject and it requires great dedication. I have very diverse interests, hence at this point , a Phd is probably not my best option.

        Who knows , in another few years, maybe if I can find a Phd that allows me to transfer my practical knowledge into a dissertation, maybe!

    • Kelechi
    • January 28th, 2012

    This article pushes me to do more and to appreciate the current learning environment that I have found myself (eventhough its not a true picture of what was packaged and advertised). Its an evidence of the £18000 investment.


    • Seun
    • January 28th, 2012

    Dear Kola,

    Great piece. You have always been quite a writer: those short and lucid sentences; clear and unambiguous.

    Let me now say something in a way of a critique. The fact is that, I believe, there is a bug called “degree inflation” and we Nigerians have caught it. And if we take a more organic system of consideration, we will realize that this particular issue is perhaps at the bottom of a certain crisis militating against the Nigerian society. We have assumed, almost completely, the narrative of an individualistic, social advancement rhetoric and praxis of Enlightenment-transformed West, and we have made such goals into our own (individual) image.

    The fact is I think apart from other damages this does, I believe, if we choose to limit the analysis to an individual level, we will realize the ‘narrowness’ of thinking this brings. (I use narrowness here just to indicate a kind of imagination that is certainly floating in the public mind, assumed and not critique, which certainly preaches individualism and a restriction of analysis (“Your life must benefit you only,” it says) in the name of God (pentecostalism or the pentecostal ethic), global flows and opportunities (globalization), and a kind of invented socio-cultural competitiveness.

    Let me now state an exception to this critique: that I do certainly respect Nigerians of a previous generation who after completing their doctoral programs (in the Arts and Sciences: history, philosophy, anthropology, economics, biology, physics, chemistry, and the others) in the 60s, 70s, and the early on in the 80s chose to return to Nigerian Universities to pick up teaching jobs. There was an exodus of the these back to the West beginning from the 80s. (Of course we must also account for the Igbo intellectuals who left as a result of the civil war, but it seems to me that many stayed, e.g. Chinua Achebe, and also some returned.)

    These were the people who laid the foundation for what became an internationally reputable Nigerian higher education system in such schools like the University of Ibadan, University of Ife and University of Nigeria, Nsukka. I mean it wasn’t a surprise to find ‘foreign’ students (yes, even White foreign students from the UK and the US) studying in these Nigerian schools. Beginning from the late 80s I think that fundamental intellectual system took a deadly hit in the form of the nonchalance of our military leaders to educators and the educational system, the military the academicians into its enemies, it became threatened by their constant criticism and then resorted to shutting them down by every means possible. I don’t think Nigeria has recovered whereas the Nigerian student of today unprepared in understanding those salient intellectual systems of thought fundamental in understanding the shape and history of the Western discourse and praxis in Africa (colonial and neo-colonial imperalism; the immorality of neo-liberal economic argument of free markets taught in orthodox fashion by such systems as the IMF and the World Bank (the Washington consensus); the on-going problem of racism in the West (these coming from the same people who consider themselves to be liberal) plunges into this uncertain international waters with her eyes set on the goal of ‘making it’.

    Now, I do not have a problem with ‘making it’, especially if one takes a honest route, such as education and professional training, in accomplishing such a goal. But one must not lose sight of the societal impact of one’s action: “how will my education and training help Nigeria?” I will expect still remains a valid question, especially since those of us who have come to the West and have seen it what it truly is are coming to appreciate the fact that as things become even tighter here in the West, we (the foreign one’s, they sometimes even refer to us as aliens even after we are ‘subsidizing’ their education by paying these huge fees) will be constituted into an enemy group. Events in England, France and to some extent the US are already pointing in this direction. To where now shall Black people go when home is somewhat un-livable and education doesn’t guarantee you a home in the West?

    • Seun, your piece is an eye-opener. It is true that the ‘degree inflation’ bug persists and it is even more worrisome that citizens of the developing world seem to be unaware of the ‘education bubble’ being currently discussed in global academic settings.That said, in this era of an extremely competitive labour market, I can’t really blame anyone for pursuing foreign degrees (especially since more degrees are chasing fewer jobs nowadays).

      I appreciate your emphasis on the societal impact of one’s actions. However, when you consider the fact that a large proportion of the previous generation of Nigerians who studied abroad were state sponsored, you wouldn’t really blame individuals in our generation for having personal ambition as their sole motivation. Unfortunately, Nigeria thrives on a give-and-take mentality and the present ruling class do not seem to be giving anything. Ideally, the ‘brain gain’ wave should be driven by the State and nothing stops Nigeria from implementing a noble variant of China’s international education policy (sponsoring students to gain knowledge & skills abroad and using same to develop their home country).

      I like the pun in your final question and it is a valid point. Ironically, those are the kinds of problems that higher degrees were created to solve. Great contribution! Thanks

    • tolu Abrowne
    • January 28th, 2012

    Nice article with important tips for those who are ready to take the plunge, agree with the timing factor being very key,

  7. @kola: Permit me to add another perspective. Whilst preparing to get into UoM, if you had somehow received a fully funded scholarship offer and immediately thereafter an offer of employment from an oil producing company in Nigeria, what path would you have taken?

    • Sam, that’s a tricky one. Prior to embarking on my degree, I was ready to accept any scholarship offer that came my way. I actually applied for a few scholarship schemes, but wasn’t successful in any. With the benefit of hindsight, I am glad it turned out that way, as many of those schemes have conditions which require one to be situated in a particular country/region/continent after the programme. This might limit ones ability to ‘leverage the international aspect of the degree’.

      With regards to the second part of your question, I am not really inclined to work for an oil producing company in Nigeria, at least not yet. And that’s because my skills and career path are yet to fully align with the mainstream activities of such companies. But if I was faced with such a scenario while preparing to attend UoM, I might have accepted the offer due to the financial pressure as at that time.

      In such a case, the attraction for me would have been the scholarship offer, not the employment offer (except it was from the World Bank 🙂 ).

    • Ernest
    • January 28th, 2012

    Well, postgraduate is almost as undergraduate here in the west. There’s no big deal anymore about acquiring an Msc degree. Having said that, it does help in giving you a broader perspective and career advancement down the road; you would need IT knowledge or some other professional qualifications to have an edge in these tough economics time. To have a competitive edge you need a combined skill portfolio to make you irresistible by employers. They will go on their knees to beg your service once they come across your resume, because you would be an asset which will give the organisation a competitive edge over competition.
    As a Chartered Accountant and an MBA in Finance from Durham University and prospective PH.D student in Financial Risk Management (Economics) with IT background as well, I’d encourage people to still do their postgraduate and proceed to do a a Doctorate, but not to risk your job for a postgraduate degree you could do part-time or on distance learning from prestigious UK, European & American/ Canadian Universities. Why do I say that, because the economy is tough and prospect of getting a job and a salary increase after graduation is not a sure thing, employers are looking for experience and postgraduate combine, they’re cherry picking. If you could do postgraduate while still at your job; you will be valued more after graduation to change a job. Well, as to those who are in the path of the article should not be dishearten by my comment, because destines differ and your rewards will come accordingly.
    Somebody made a made comment of going back home(Nigeria) to help. The question is would the arm robbers that called themselves politicians be open to give you a chance or ready for a fresh ideas? So, why would any one want to go back to Nigeria to wast his/her time and energy for people that will not listen or give you a chance.
    World Bank is the not the greatest employer, the Director’s annual salary is1/3 of most CEO and Directors earn with bonus and stock options etc.
    However, though I do agree that those of us who have made it academically, intellectually and financially should see ways in which they can impact their skills and knowledge to the future generation back home. I mean to the less privileged in our society or communities.

    Finally, I love my brothers and sister( Nigerians) because they love to study and are making a difference round the world. Keep up guys. Nothing should hinder or deter you from studying.

    • Raphael Anagbado
    • January 29th, 2012

    Hi Kola. Well written article. I don’t agree with you on most of your submissions. They are personal and cannot apply generally. Many factors will come into play to determine whether a foreign masters is worth it or not. They include- school attended (whether reputable or not), choice of course (whether common or not; strategic or not), class of degree obtained. Also, a masters degree does not mean u must seek for a job after; it ordinarily sets the stage for you to start up on your own and not necessarily looking for a bigger job. Am a holder of LL.B. and about leaving for abroad for an LL.M. in a strategic and rare specialization in law. My actual goal is to come back and set my own specialist law firm simpliciter.

    • abiola
    • January 29th, 2012

    i really appreciate and agreed wit ur piece,but at one point or the other we all have stories to tell. I did mine in Nigeria and learnt a lot! Resigned from my job to bagged a Master,my co-worker askd my to go for a mental check-up when i told them my plan. They are still there sayin its not possible but i am better off now! Also,thinking abd Phd. Just follow ur path and leave a trace!

    • It’s all sorts of sad but this comment says a lot about the quality of education in general in our beloved Nigeria. How does a Masters holder type this way?! *shedding silent tears*

    • Omoh Osagie
    • January 29th, 2012

    This article is such a timely eye opener….i think for me its not enough to get Masters degree all for the sake of bagging the qualification, but if it would boost up my career prospects in the long run then it sure does have a long term profitability! And i must say i love this article of yours kola, its so on point!

    • CJ
    • January 29th, 2012

    Internationalizing your qualification, in which ever way you may look at it, is a huge investment.It gain is almost immediate.I challenge you, if you can be sincere to urself.Weigh your mental ability and exposure now that you are running your masters or probably finished your masters and the time that you did not start it.I personally see it as a great improvement in one’s career because you can never be the same again.Be steadfast, never give up.If you have the opportunity, go for for PHD, it is never a waste and I can assure you that in no distant time you will surely reap the fruit of your labor.

    Best of luck to you all

    • Ayokunle
    • January 29th, 2012

    Well…I think the article focuses on the “short-term” ROI on the MSc programmes, which i think is not a proper and calculated way of looking at it.

    Any MSc programme(esp. ones offered abroad) will add to your personal developmental in areas already pointed out by the writer and in addition; international exposure, career mobility, new contacts et al.

    However, I must say the greatest mistake made is the ill-timed period of taking up such programmes vis-a-vis personal work experience, finances and convenience.(Writer is battling with a long-distance relationship)

    My opinion is that we assess the topic through an individual personal experience and evaluation—no one size fit all answer in this case.

    Individual feedback please!!!

    My tots

    • chuka
    • January 29th, 2012

    Very nice piece. These issues come up because people might think that masters better qualifies you for a job. From my experience, my masters program in a top UK university has not in any way made me better quaified for jobs. All the skills we learnt are better suited for life in the academia.
    Going back to the corporate world where all my bosses do not have these postgraduate degrees makes me think I have really wasted my time. So like I keep telling my friends, if your ultimate aim of doing a masters is to get a job then totally forget the idea.

    • Ifeoma
    • January 29th, 2012

    Dear kola,
    I really applaud ur submissions abt bagging an M.Sc. In d UK, i knw it has nt been an easy road for u cosidering d money, time management n other factors, bt i wil tel u it sure worth it.
    It has been my utmost desire to pursue an M.Sc. Programme in d UK, though a fully funded one cos of financial constraints bt i ve not had that luck, ur piece has really opened my eyes about ds venture, am stil looking forward to pursuin it(in Nigeria if am working bt it has to be part time or in d Uk or any other international university if i get a fully funded scholarship) bt ds time i wil hav to do it strategically since am currently looking for a job.

    • Femi Da-silva
    • January 29th, 2012

    Nice piece, great expresion, exciting and quite revealing. I think the sucess of others doesnt mean one is failing. We are all on a diferent path! Sucess or progress in life can best be divine by d individual themselves. Its personal. What one consider as waste of time and resources, odas consider a great investment. It all depends on ones vision!

    • Femi Amoo
    • January 29th, 2012

    hello bimbo, like ur post,very interesting and at the same time an eye opener,i must tell u dis is part of what i consider before i choose to drop the idea of masters dat time,am not saying going for masters abroad is not good,but like u said,it should be timely.honestly to be frank i thank God for my decision then becos just this few years of working i can tell u,i can sponse myself for a masters abroad up to d tune of ur own fee,with lot of oppourtunities dat my work ve expose me to, but all d same i believe ur own chance is still lying somewhere, just ask God to open ur eye and direct ur path.

    • Toyosi
    • January 30th, 2012

    A post graduate qualification – specifically, a Masters programme – is to help you carve a niche in your chosen field of study by equipping you with the relevant skills required. That is the assumption; and also the reason why schools run such programmes.

    It may too early to conduct a Cost-Benefit analysis on your MSc experience or indeed carry out a post-mortem at this juncture. You quit a “lucrative” job to join an ever increasing number of students who come abroad to study. Which throws up a host of questions as to why you chose that route. And we should ask why we do this.

    What was your reason for coming over? – Knowledge (skills) acquisition? Change of career path? Prospective higher income levels after graduation? The immediate answer seemed to be the economic malaise that pervaded your local environment then. However, you had the option of getting another job in the local market. Nothing is cast in stone and like you alluded to in your article, there are other “gains” you think you have been a beneficiary of (apart from the qualification itself – if indeed you think it is). You have made an investment (with access to perfect information when making your decision) and are naturally asking for the returns. Look closely and you’ll see; make the most of what you have (whatever it is). Suffice to say, your journey is not path dependent.

  8. Looking for job,am a graduate in food and tech

  9. I want to secure for job

  10. I could not have come across this article at such a perfect time. I applied at Prairie View A&M (Texas, USA) to pursue their MBA program. I want to sharpen my critical thinking skills, professional writing methods, and have that extra bullet point that sets me apart from the rest but am wondering if $20k USD is worth it! It’s such a hard question to answer and I hope that I can achieve my goal and exceed the barrier that keeps me wondering.

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    • April 2nd, 2013

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