thanks for replies guys..no i dnt live in south africa. currently i'm in middle east. ...n here, there r no facilities for taking student loans n like...I'm not in favour of doing MBA..not at all...it requires experience n i dnt have...when i did my bachelors , my majors was marketing. but its useless now i guess. so, i just thought may be i shuld go for human resource management...or wat shuld i do??....go for phd ?? or wat??...