Oxford or KU Leuven

Currently working in AI. Love my job and I wouldn’t like to quit right now. I was admitted to master’s degrees in both KU Leuven and Oxford. For Oxford I have to quit and take a huge loan as it’s entitely unaffordable, for KU Leuven i can do it practically for free (got a scholarship) in parallel with my job.

Am I stupid if I reject Oxford for KU Leuven?