If people can fly to overseas top-tier uni like Carnegie Mellon, MIT, Oxford, etc. It means they are able to compete to get into very difficult to get into universities. So they must be having some special quality, like exam smart or top scores.

And because these tier1 universities are not cheap, the students must have $$$, or they have family members that can take the student loan for them. We are talking about a HDB house loan amount for a bachelor degree!!!

So such a top tier graduate will already be financially better off than a student from the low income family, even before getting the degree.