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Should I appear for UPSC CSE right after graduation considering that I've to pay off my education loan which I used for my B.Tech degree?

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You need to prepare for UPSC CSE first before appearing for it. You will be wasting your chances(which are limited in no.) if you sit for the exam unprepared. You can do job to pay off your loan & simultaneously prepare for CS. You can start preparing along with your graduation course.
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