To pursue MFA in Creative Writing in the UK or not?

I am an Indian student currently pursuing MA English Lit (distance) seeking advice on career paths. Considering UGC-NET vs. further study abroad (MFA Creative Writing). I am looking for:

1.Viability of UGC-NET with distance MA if I wish to study MFA in Creative Writing in the UK.
2. Best path to work/study abroad without significant debt.

How can I balance my ambition for international experience with practical financial considerations and career development?