Is it permissible for me to remain in a non-Islamic country to complete my studies and pay off my debt, or must I move to an Islamic country?

Studying in non-Muslim countries entails the harms of intermingling (ikhtilat), but if it is necessary, then its permissibility is conditioned upon adhering to the hijab, maintaining modesty, lowering the gaze, and avoiding intermingling as much as possible. The story of Shu'ayb's two daughters with Musa (peace be upon him) serves as a model for exercising caution when going out of necessity, as they avoided intermingling and strived to find solutions that would spare them from frequent outings. There is no harm in permissible work to pay off debt, provided that religious rituals are observed and one is safe from temptation.