I had a friend who went to Siemens online course for ABAP and she was saying it was useless all the stuff could be learnt by own she was saying, There is no point in paying 1,60,000 though they provide certification
But the only advantage is that, that is the only way to get eligible for sap certifications.
All this is only sap labs tactics to make more people enroll for courses paying huge fees it is all business
One better thing about taking a loan is that you could claim for tax exemption
All the other Java Rancher views are welcomed.