Considering a japanese language school for N2, need advise

Hi everyone, I need some practical advice from people who’ve actually gone through the Japan language-school route. I’m a working professional with 3+years of experience and a bachelor’s degree in architecture, currently living in a developing country where career growth and pay are both extremely limited. I have passed the JLPT N3 this july with 168/180, but because I work full-time, and do self-study, I barely get chances to actually speak Japanese. I feel like my progress is stuck, and I need immersion to really push myself to N2 and beyond. My parents are encouraging me to go to Japan and join a language school. I’ve managed to save half the total amount, but I’d need to take an education loan for the other half. I have never taken a loan in my life, so that part honestly scares me. But at the same time, staying here feels like I’m not moving forward - neither in my profession nor financially. I’m open to future paths like translation, interpretation, ALT, or even shifting into something new once I reach N2/N1 level. I’m willing to work hard; I just don’t want to make a decision that traps me financially. So my big questions are: Is going to a Japanese language school worth it financially and career-wise if my goal is N2/N1 + future job opportunities? Does immersion really make a big difference for speaking skills and overall fluency? For those who took loans to study in Japan, do you feel it paid off long-term? Would you recommend taking this risk, or should I stay in my country and continue juggling work + self-study? I’m at that stage where one big decision can change my entire career path, and I don’t want to make it blindly. Any honest input, warnings, or success stories would really help. Thanks in advance to anyone who replies.