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I knew how I should calculate time needed for pay off a lone, the important thing here is not calculating,is my income, my expected income and related risks, I am trying to find information and get feedback about these things!

Thanks for suggested reading, I will read it carefully as soon as possible.

I know that taking a loan about 80000$ for a person whose family yearly grass income is 9000$ is more than too risky, But I thought about a very little possibility of having a certain financial plan...for example if I have guaranteed minimum salary after graduation, with considering possible loans and costs I can made a logical decision!

Anyway it seems that I should forget about MFE!