If the fees are very high, should I take a loan and how does that work in Canada for a Master's?

Yes, taking an education loan is a common solution if your master's fees and expenses in Canada are very high.

Education loans from Indian banks or financial institutions can cover tuition, living expenses, travel, and insurance. Typically, you'll need:
- Confirmed admission to a recognized Canadian university
- Good academic record
- Co-applicant (often a parent) with stable income, and possibly collateral for larger loans

The process usually involves submitting your admission letter, academic and financial documents. Approved funds are sent directly to the university or to you for living costs. Most loans offer a moratorium period, so repayment starts after your course ends.

Loan approval letters can also be used as proof of funds for your Canadian study permit.