There’s a version of the international‑student experience that universities love to sell: the glossy brochures, the smiling students on campus lawns, the promise of opportunity and independence. But there’s another version, the one that happens quietly, behind closed doors, in late‑night betting apps, in overdrafts that grow faster than your part‑time job can cover, in the shame you don’t know how to talk about. Debt and gambling are not the stories students post on...