Recounting my scholarly friend's story of being a civil servant: To give you some background, my friend got accepted to Princeton university for undergrads and then Oxford for masters, and both are paid for by the scholarship. she had two internships, one with a management consulting firm (big 4) and the other with a hedge fund. the hedge fund offered to break half of her bond to work for them, and yea, I can tell you they pay super well. the amount of bonuses you can get from working at a hedge fund's front office is just sick. but she couldn't fork out the other half of the bond, so she came back to singapore to serve her bond as a civil servant. she's getting paid way lesser than what she could have gotten, but I think she's doing some great work at her place. she gets to attend some finance summit about crypto with all the g20 stuff, and do all sorts of cool stuff. i can't tell if she loves her job, but as a scholar in a government job, more often than not will have a good career trajectory ahead. consider your options wisely, young woman.