Are there any low-cost European countries where I can study with a budget of around 10 to 15 lakhs, considering I already have a home loan?

Yes, with a budget of ₹10 - 15 lakhs, you can study in several European countries known for low tuition fees and affordable living costs.

- Germany: Minimal or no tuition fees at public universities (semester contribution only), living costs around ₹7 - 9 lakhs/year.
- Poland: Tuition fees ₹2 - 5 lakhs/year, living costs ₹4.5 - 6.5 lakhs/year.
- Czech Republic: Tuition for English-taught programs ₹2 - 10 lakhs/year, living costs ₹4.5 - 8.7 lakhs/year.
- France: Tuition fees ₹1 - 3.5 lakhs/year, living costs ₹6 - 8 lakhs/year (lower outside Paris).
- Hungary: Tuition fees ₹2 - 4 lakhs/year, living costs ₹4 - 6 lakhs/year.

These options typically fit within your budget and offer quality education. Costs and policies are subject to change.