अमेरिका आएर ॠण मा चर्लम्म दुबियो । कागज को, प्लास्टिक को , येसको उसको कसको कसको कति कति । ल भन केटा हो तिमी हरु को टाउको मा कति ॠण छ मेरो चाइ जममा जम्मी ६४६० रैछ । लौ भन तिमी हरु को कती छ ?

Hetaude sathi , Tyo tapai ko bichar ho , sasto coll ma padnus paisa jogaunus , tara hamle padne college mahango cha , tapai jasto sasto ma payeena so dherai rrin laaiyo. tara tei ho tapai le bhane jasto 2000 ma national university padne kura chai alo comman kura bhayena. testo ko nam ta sarbajanik garne po ho ki, ta ki pachi aaune hami jasta student le graduation ra loan duitai tanna napawos !!! k cha bichar tapai ko nam bhanne haina ta

Interesting thread. i've around 115+K debt for house, cars, school bills, and credit card bills.

Americane sir, Out of state waiver paye bhane ta LSU, LA Tech, North Dakota, ra Texas ka Universities( maile tha bhaye samma Arlington)  nira sabai ma tai 2K ta parcha ni sir. Aba tapai thulai Libral Arts college ma hunu huncha bhane ta ramrai hola tara bichar garne kura k ho bhane exaclty same padai lai kina tanna paisa tirne. Hiana ra Americane sir.

hetaude sathi KAAM chai k garnu huncha bhandinu na yaar...ma ta us ako ni 3 weeks matra bho, ma ni sikna pauchu ani tapai kai path follow garee bhane rin ta lagdaina hola ni...pls sathi

Hetaude sathi , first time US aauda kasai laii thaha hunna what is out ot state waiver bhaneko , unless tapai ko kasaile sekaucha bhane . mero ta koi thiyena thaha ne bhayena ani ma baseko state ko kunai pani university ma tesko subida chaina. And tell me one thing sathi kati jana nepali le tesari baseko cha, ma tetro nepali lai chinchu kasaile le tesari baseko thaha china, kina ki tyo kasaile nabhani  thaha hunna ra aba ta hamlai dherai dhila bhai sako , ani kam ko bare ne kei bhandine ki ?? mathi ktg bro le ne sodhhai cha

ma kaam on campus matrai garchu tai 20 hrs jati. Aru ta tha bhayena tara LA Tech ma nepali nai 150+chan. Americane sir le bhannya jasto sabai lai tha nai na hune chai hoina , consentancy ma 

ani yo out of state waiver chai kasari payincha bro......mero college ma dinna jasto lagyo kina bhane ma ta kunai consultancy bata ako hoina,aafai khojera ako hoo......kei idea dinus ta

ktg bro dhari jaso college ma ta college ma admitted bhaye pachi ta out of state waiver dedaina; i-20 mai hunu parcha ani pheri public universities haru ma matrai huncha out of state waiver. La Tech ma chai 1 semester pachi dincha kyare. Timi LA Tech trasfer bhayau bhane 2.75 GPA aayo bhanye out of state dincha kyre , la tech ko website ma here gpa ko barema. Ma HETAUDA nai ho hai user name change matra change garya

Mr. Hetaude + hari bahadur , most of the college ma tyo dedaina.  kunai pani consultancy le nepal ma huda tyo bhaneko malai thaha chaina. maile aafnai university  afai chanera ako hu , farak yetti ho ki maile padai matra here aru herena.

Jaha samma common sense ko kura cha ne brother America first time aauda restroom jana ne aaudaina tho. Out of state waiver, social security, OPT, H1 yo sab Nepal ma basera sochana ta sathi thaha samma hunna.

tyo sathya ho. Maile kasali dosh deko hoina. Please mind na garnuhola. Tara terto paisa kasari tirchu bhanera sochnu ta parne ho ni haina ra Americane Sir???? Tyo chai common sense bhannya ho maile. Tara sabai le aafaule bhaye samma ta bujcha . Tapai le pani bujnu bhayo hola. Tara farak keti matra ho ki badhi paisa jane bhayo. Tara tyo pani ramrai cause lai ho. Padhai nai ta sabai bhanda tholo dhan ho ni. Haian ta Americane sir? Je huncha ramrai ko lagi nai huncha. Be positive. Wish u best of luck 

jun university bata padhe ni yeutai ho re?
tyo chahin ali bhanna  mildaina  hola  hai saathi.  huna ta  manche haru aanfu  kati
ko mehenat  garcha, tesma  ni bhar  parcha tara us bhari ko  top  50   ma parne  uni
ma padhera  ta ma ajha  job-wise secure feel  bhachaina--( mero  kholti  bata  barsa  ko
6000 jati jancha  bhanum ( 5500 loan liyechu,   baanki  pahila  bachako  paisa),
aba top 5  ma padhera  world wide known university ma padhne  ho  bhane 
barsa ko  20000 jati kharcha  garnu parne stithi  ma thiyen,  tara admission nai   paayena
bhanum.  tara  ma chahin 14000  barsa ko badhi tirera  ni  top 5  ma jaane bichar thiyo..

graduation hune  bittikai  kaam almost sure  huncha, graduation  ko laagi uni haru le  bolaunchan
ustai  pare,  etc, etc.

kaam  ko pay scale  herum,  average  students  haru le mero major ma
out of school 40000  jati banaunchan  re,  mero school ko student haru  le mero
major  ma  average  ma  50000  banunchan re... caltech /standford, etc  ma padhne le  ta 60- 80
k  bata  suru  garchan  bhannu paryo.

aba caltech  gayera  ni hallera  basyo  ra  facility  haru  ko  faida  uthauna  sakena bhane ta k nai garna sakincha  ra.


btw,  6000  ra  20000( in stanford)  chahin  total cost  hoina,  malai finad/scholarship haru  paako  thiyo bhanum.

jhan  law  ma major  garne  ho bhane ta  ivy  league  ko   jun college  bata gare ni  sidhai  kaam   paauncha...princeton   bata law  gaarne  haru  vs kunai  state  university   bata  law  ma  graduate  hune
student  haru  ko  pay scale   chahin  compare  nai garna mildaina  bhane  ni huncha (on average)


student  loan  ta investment  pa  ho ta,  

mba  ko  ni  tyastai  cha,

 harvard jasto  ma   mba garyo  bhane   world  ma  ja apply garda   ni,  harvard graduate , bhanne  huncha. 

maile  kati 200k+  ko executive position ko job haru ko  requirement  ma  5 years exp, ivy league graduate  bhanera lekheko  dekhechu,  ahile  nai  chahin prove  garna sakdina,  kina bhane  ahile malai exactly  kahan thiyo tyo ad  bhanne  thaha chaina.  5 year  exp  ma  nai  200 k +  kamaune bhaneko  thulo  kura  jasto  lagcha,  jun paye tei college  ma padhera sayad  200 k + pugna atleast 10 - 15 barsa  jati lagcha hola sayad.

$25000 only ha ha

La hetaude sathi , jaba tapai padera kam paune sure chaina bhane padera ke kam??

ramro university ma loan liyera padera kam garnu ramro ki sano ma padera voli NY ko bato tataunu ramro .

aafno aafno bichar ho sathi , america is free nation . Any body can do anything.

Dear All,
This is very nice thread.

Well it seems not only me but other people too have debt.
Debt offcourse is a tension. It is sometimes very frustating but if you make plans to overcome your debt and stick to it you might overcome it. In this country money is given freely but interest is taken ruthlessly so pls try to lower your expenditure and be bit miser ( i mean when necessary). Spend according to your income.
That was bit of things which i know all of you know but just a reminder.
I have assistantship still i do have debt of 3000 which i think is not much and I spent it for study so its like investment. May be i will overcome it by December. Next is debt of 6 lakh nepalese rupee which is not a debt but my father gave to me so I plan to return it not as loan but as "Chora ko kamai" and I will only be able to do that when I have study and job.
I just want to say that when we have job and money we can spend it but if we don't have we need to cut our budgets even tiffin. ha ha from some chinese or pizza ranch to Ramen noodles and Keep our study alive ............

americane , i hv debt of 5000 n

spending on siausi in saree. But she never wears sarree. only 2 piece

$369,600.00

Riten, i don't know whether you are serious or not but if you seriously do have that much of debt than well, i want to salute you for your guts. You are a real man who won't scare with anything in your life. Because seriously man, i have noticed that how mental pressure you'll feel when you have that a debt. Either you have to be a jerk who don't care about paying the debt otherwise it kills us. 

I wonder if there's a single person in this world without a debt. But there is one exception;

1. Basic Principle: You are in debt if you owe money to someone and intend to pay that in future.
2. All Billionaires/ Millionaires/ Multinational companies do have huge debts. Taking US as an example, they all owe money to IRS which they have to pay at the end of the year.
2. Even you spend a dime off your credit card, you are still in debt.
3. Middle class people: Mortgage, car payments, bills etc.

The only exception that i see who do not have any debts are "Homeless people" or "beggars".
They do not get any loan, credit cards and if they had one previously, they are never gonna pay the money back.

Thanks lovestosuggest for opeaning this thread again , after a long !!

I have update on same news !!! 

Old remaning (6460 US Dollars)+ 16,000 US Dollars !!!

Bravo !!!!