2024 Study-Abroad Loan Advice

I'm planning to start a master's in New York, USA next fall, and I currently have about 2.5-3 million in funds available. I plan to study in the US for two years, with no income during that time, and I don't want to borrow money from my family

The Ministry of Education has a study-abroad loan program, but since my income last year and this year will both exceed 1.2 million, the loan interest rate will be higher than 2.75%. On top of that, with interest rates possibly rising in the future (though I've heard there may be rate cuts?), I'd like to know what everyone suggests. Should I apply for a personal loan or a regular secured loan?

With the funds I have now I could skip the loan, but I'm worried I might run into something unexpected abroad and need more cash, and applying for a loan only then could be more of a hassle. So I'd like to ask if anyone has other suggestions. Thank you so much! 🙏🏼