Nice thread and you raised some valid points.

1. Nope. We lack self confidence in general (I'm generalizing to be honest). Most 80% hail from middle class family who can't afford study abroad program but have the desire to. Parents can only afford 1 semester of fee (that too is taken as a loan). Most feel that asking more money from their parent or requesting to take loan from their behalf isn't moral. In general Nepalese people like low risk investment.

2. More than a mentality there isn't a role model to be followed. You won't see or hear Nepalese taking loans, finishing their program on time and landing a job. What you see is parents getting a loan for a semster and sending their children abroad and praying they won't fail.

3. See 1 and 2.

I would say there isn't an environment for Nepalese students to get loans. To get loans banks will ask for security asset which is highly devalued.

We have the mentality of working hard not working smart. Mentality needs to change in general.

One again, good thread.

@Incandescent: Thanks buddy for your honest comment. As soon as i post this thread, i thought that it was a bad day to post such a rhetoric thread since it's friday and people are busy commenting on sexist threads LoL.

Now coming back to your points, I do agree with most of your opinions except few of them.

1. Most 80% hail from middle class family who can't afford study abroad program but have the desire to. Parents can only afford 1 semester of fee (that too is taken as a loan).

Yes since most of us from middle class come to US paying lakhs of rupees just for documents, why can't we spend little bit more money for our education. Let's do the math. In average

1 semester =$5000(average) * 70 = Rs 3 lakh 50,000 = Rs 7  lakhs per year
4 years= 8 semesters = Rs 28 lakhs for 4 year degree

Don't you think the middle class family can afford 28 lakhs of loan from bank and pay interest every year? I have seen lot of middle class family spending more than 2 lakhs per year just for high school education.

I know many people who are willing to spend 1 crore for doctorate degree so why can't they spend 30 lakhs for US accredited degree?

To give you another example, one of my friend's parents spent just 20 crore for his son's marriage. If he doesn't hesistate to spend 20 lakhs for his marriage then why can't he spend 30 lakhs in education?


2. I would say there isn't an environment for Nepalese students to get loans. To get loans banks will ask for security asset which is highly devalued.

Again, i don't agree with you on this one as well. People in Nepal takes crore loans to build thier house or for their business but why they can't they put their property or house on loan for their son's/daughter's education.


Anyway, incasdecent bro, thanks for your honest comment and feedback.

All sajhaites are encouraged to answer the above question.

Peace

Sirus_Me

Just be lucky to be here otherwise you will be one of those forced freedomfighter inside the barracks in nepal...... You are poor because you country is poor.....you went to poor school taught by poor teacher by poor carriculm..... you faked you rich financial documents by poor goverment empolyees and still what you want yar.......

Really nice thread. After a very long time some1 raised a very valid issue. I appreciate that. I believe its mainly because of the mentality of the Nepalese people in most case.

@kesto_manchee: Dude,  Looking at your grammar and the way you write you are a DV wala or you don't know the hardship of being a student,. If you can't contribute to this thread with some insightful comments, GTFOT.

Btw, i think u should comment on kanchi thread since your mentality fits there.

@nepaliko_choro: Thanks buddy for appreciating this thread. Seriously, this has been hovering my mind from very long time. Ya i agree with you that it's nepalese mentality of show-off that plays a big role on this matter.


All other sajhaites, shed some some insightful opinions.

Peace

Sirus_Me

less than 1% of total number of foregin students are nepali. You are bitching around because you are from thirld world country. you are just experiences the shock from thirld word country to most advance country in the world. learn how talk adult language. I already went through you phase. i know what i am talking about. go and read my first response again.

Sirus,

I was also thinking the same and i agree with you. There are parents who are more than willing to invest 30 lakhs for their child to study in a medical school in Nepal but are quite hesitant to invest the same for another degree to study in America. I have also seen many Indians, Taiwanese who study in loan.

A lot of us tend to follow what others have done. If we hear about one person paying his tuition by working super hard all summer, we tend to think that thats how it is supposed to be done. A lot of us just follow the crowd and not try to think differently. My parents and relatives praised those who were able to finance themselves in America and didnt have to ask their parents for money. They made it sound so heroic that i feel so guilty asking my parents for money although i know its not gonna hurt them much financially. Its the mentality of our parents and ourselves.

@Sirus_me:
"I would say there isn't an environment for Nepalese students to get loans. To get loans banks will ask for security asset which is highly devalued."
I agree with Incasedent with the above comment. Even though I put my whole land and property in the bank, I believe I would hardly get money for a semester or two.
This is the situation bro honestly! 

hey man even it is a friday, I am an international student and this is a true article based upon us (students). I am heading to a club in a hollywood after couple of hours as it is a friday but I can't skip adding some reality in your thread as this was the question every time I ask to my self.
My worse time of my life, 2008 and 2009 where I was in University after i transferred from Community College. It is a quarter system and damn, Fall quarter, follwed by 3 weks break and winter quarter and a week break and the spring quarter; 3 quarter in a row and every quarter cost me like atleast 6000$.
For fall, I used to have some saved money from Summer, and I wouldn't have money for winter and spring. Whole fall quarter, my mind used to be focused on how I am gonna have the money for winter rather than concentrating on school.

I try to get help from my frens to pay the fee, but you know how hard is to borrow money, some of them helped me some didn't.
I wouldn't have money and I used to tell my self; f**K! my parents has a land in Pokhara, if you selll it, it is worth of couple of crore but am freaking tensed that i am not having 4 lakh to pay my college. This is the time I need money, once I start making money, why the hell do I need that money for???? If i can't complete my school, I don't think I would enjoy my life since I would always regret my self as a failer, failer just not because I couldn't pass my classes but becuase of financially. But, I tried my best till the time I can manage money but after alll I did ask my parents to send me the money every Spring qurter for 3 years. I am from a middle class family.

Look today I graduated, I mean last year. As soon as I graduated, I got a job that paid me 20$. I had 9-5 job and I could have still worked on weekends and make extra 1000$ but I didn't wanna. I still have those debts somewhere around 11 lakh, but I can't  pay that money to my parents. If I think, I gotta work some extra hours to recover that money, then my life is gone. we can alwasy make money tomorrow but we have lost many years working and schooling and I can't afford any more not going to party and enjoy the life like my homie does in backhome.  I am going back to Master coming spring, but still I am just cool with this job and enjoying the weekends. last 6-7 years, I never got a chance to enjoy the weekeds as i used to work on weekends and school on weekdays.

It is my personal thing that i added. Mero bichar ma, milcha vane, ghar pariwar bata sakincha vane, gahr bata paisa ni magnu parcha. Ma darayera namageko vaye, ma aaja graduate hunthina, first time pasia magna gahro vayera, maile mero aama lai america bolayeko thiye. imagine how hard it is. I could ask money over the fone.
To the last, sayad aaja bata maile F1 status chade jasati lagcha. I field my h1 today and thank to the guy who brought this thread and I got an opportunity to share my story.
Alright guys, It is a party time.

 Somebody mentions 30 lakhs, so here is my simple math. 

30 lakhs/ 75.00 = $40,000

Avg college tuition fee for undergrad students in public school (only few of us get here most of us go to private school) is $12,526, now add yearly expenses.

private school per year tuition fee $28,500


Also i don't think anybody would have that much cash in their bank account, so alternative is to take a loan and pay interest on that. Now add interest expenses too.

P.S. i m genearlizing on my case, not everybody is the same situation.

 I am more in C.Ronaldo situation. Had some turning point in my college life,seeked helped and moved on.......

@Sirus: I used to think about this topic too. The main reason I think is,we are way behind in "going abroad" culture. We all agree time is the main factor. As time goes on, everything that sounded unconventional tends to be normal.....And we can probably anyalyze everything said above with the same concept.



By the way: OSU lost so it prolly gonna be LSU BAMA for the BCS game. I hate it.......

Who will be these students?  Students studying in Nepal or Studying aborad? Government sends students on J1 visa and many of them are still in USA and you know they had signed paper that they will go back and serve the nation for certain years.

Nepal Government still providing basic needs and government can not provide loan to student when it depends on foreign donation.
Let's have electricity without load shading first.

Thanks for bringing up this topic.

I always had this question when i was back in school.  And i still have it here at work. I've had enough Indian frens and of course Nepalese too. this question always trobules me when i meet uncountable number of Indians & chinese at work. Definitely they they are smart but it does not mean that they all are better than us. Of course they planned better than most of we Nepalese coming to US.

Most of the frens here already have pointed out ample reasons for the question in hand. One big reason is "OBJECTIVE' of  coming ot the US.
What i have seen and understood, we are not wholly motivated by education or Job to come here. Leaving Nepal has also been one big motivation for most of the students. So your priority for finances goes down the list.

Another is the lack of information about how taking Loan could help you eventually. Proven stories etc .... I can assure you that most Nepales students who come here are smart and would land up in better schools than they are in now and would have better jobs if they were financially strong. If i go to a better school, get good scores in my test and work hard in school, i can find the best job in this country:this should be the understanding. That is what the indians have understood well. But one point we should not overlook is that Indians also have their country to fall back on in the worst case. I have indian frens who went  back to india when recession hit us and  could find well paying jobs easily....that is something we can't enjoy.

We need to spread words to our frens and family that education in the US needs to be paid for to reap its benefits..We should encourage people to take loans complete their studies. But again as someone pointed out , we tend to take the easiest way out. But a new trend needs to start forbetter things to happen. I think things have been much better than what it used to be five years back i would think. Another interesting statistics is that we are amongst the top countries to be issued F1 visas.

I feel so outnumbered in my office by indian and chinese. We should have a good ratio of Nepalese working in big companies in hte US. That only can happen if we put Education at the topmost priority when we are in school.

Sorry for drifting away at places from the main topic.

First of all, thank you everyone for keeping this rhetoric thread alive.

@sanju baba: Yea true that. But as long as the mentality is same, i don't think time will not help us.

@trust143_raj: Thanks for shedding some knowledge. To tell ya the truth, i had an indian roommate before i was in school. So as per him, it's not the government, it's the bank that gives you loan for 5/6 lakhs which is ofcourse not enough without any asset on hold. However, if you need more, you gonna put your house/land on hold as an asset then get loans. Also i had a friend who took loan of 20 lakhs with his house hold as an asset to complete his further studies in Nabil bank so it's not doable as well.

@magorkhei: It's for the students like us who come here to complete undergraduate/masters not study abroad students. Study abroad program is a short program that you study english language for 2/3 semesters. Now let's not talk about government. We all know how corrupt and disorganized our government is, but if you look at the land, you can see many lakhpati in Nepal.

@gotexasgo: Ditto all your opinions, dude. I've been thinking about his my whole college life and now professional life. We tend to work hard on labor jobs and less time on studies and hence get lower grade and struggle to find jobs. However indians, chinese and malaysian students tend to spend more time on studies than work and hence get good grades and get better jobs than us.

Another good point you brought here is "OBJECTIVE". Yes many of the nepalese only objective is to enter U.S. They hardly care about studies and more on Finance. Then after eventually getting settled down, they think about education. So yes, new international students of Nepal needs to be educated.

I also agree with you that we need to tell all the students in Nepal that the grass is always greener on the other side. If you have enough  money to support yourself then only you can finish your studies. We need to educate them that life in U.S is very different than we see in movies. It's OK to take loan and finish your college sooner and get handsome jobs where you can pay all your loan in 1 year instead of spending 2 years in community college.

Now as the US economy has gone to drain, more strict immigration rules and regulations will be applied due to which international students might not be able to work on campus/off campus in future.

Anyways, thank everyone for your good thoughts and analysis. Keep it coming.

Peace
Sirus_Me

 

One of my best fren's cousin is here in states and he was such a talent guy, at school in SLC, he was expected to be in the Board. He was from near by my town and we all used to be told to get motivated by him. When I came to the states, one of the person that I contacted was him and I could hardly remember anything beside he was giving me an advice to try to be fluent in speaking English which will be easy to get the job. I think we never had a contact as I knew him as he was my fren's cousin. Couple of years ago, everyone was shocked as he quit school. Imagine a person who never used to be involve in anything rather than studying, quit the school. No one knew. My fren back home didn't knew the reason also. But as far my friend believe that he didn't had the fund to continue school. May be he had asked money from back home and he didn't get that. You can go 1 semester, 2, 3, 4 but not anymore if you have no source of money. May be his school was one of the expensive one like ofcourse like as it is normal to be the cost annually around 14 - 20 grand. His parents was from a good middle class family who had a good business, could simply afford sending atleast 20 thousand dollar, and he is the only son beside may be he has couple of sisters.

I met his brother in law last time when I was in Nepal and he asked me, "Did you ever asked money from you dad to support you?'
I said; Yeah 2 times already 4 lakh each and I told him, I worked as long as I could and this was beyond my capacity and there was no option to get support from home or either to quit school.
He replied; "hamro falna le ni chadyo padhai, khoi kina ho, sayad paisa chaheko thyo hola, padhna pugena hola, ghar ma vanna sakena hola ki buda le pathaediyena hola, tehi  vayera hola."

I told him, yeah it could be the reason. I would  also have to quit my scholl if I didn't got money from Nepal. Yes, it was true that I couldn't finish seriously. And I was not in intension to go to Minnesotta or where my collegue that I met at Michigan had finished from Birghimon University, where you gotta proclaim your self as a christian in-order to join the college and the annual fee was only 3000$. I went this time Nepal too and my friend dad told me that as I finished my school and have been in Nepal 3 times but his son is never back almost in a decade as he had quit school.

I don't know what could be the excat reason that such a smart guy quit the scholl but financiall factor must have played a huge factor. 
So basically I am trying to prove that we certainly need to educate our parents in back home and our community that we do need some financiall support in order to finish our school. 
when i asked money for the 2nd time, my mum told me that the guy from other town had sent almost 20 lakh so far. I told my mum, can you give me his no, let me calll him and ask him how the hell he had send that amount of money and going to school. I called him and found that he was studying Nursing and he was about to get his RN from community college. Now just imagine, he is paying 5000$ a year in community college and I am paying 20,000$ a year at university. In 2 and a half year, I paid 50,000$ to graduate from university and he paid 12500$ from communiyty college. I paid 37500$ extra compared to him over 2 n half years. 
I told my mum so n so was the case.
 

Alright to all those students, it is reall tough but no matter what don't give up schooling. There are 100's of door's opened after your school.
I have one wish, a plan, that 1 day I will be able to open a banking center where we could let the students like us who suffered so much at the time of school to get loan so that will provide atleast something to add up in paying the tuition fee.
My present city, collected 1 million dollar to build so & so. Imagine if we can raise 1 million dollar to build so & so, why can't we rasie 1 million dollar to create a banking loan where the needy students can borrow some loan  and they will pay back and the cycle goes on. Imagine only 2000$ loan to one people means 500 students can borrow 2000$ to support his school. That is just a simple idea that I have in my mind. Hopefully, I will try my best to do something for the students to be able to take some loans ... .. ..  

alright guys, our society is like this in back home, falna ko chora le ta 60 lakh pathayo re, wo wosko chori le ta mahina ma 2 lakh kamawocha re. . . . kamawoni vayo ni DV parera gayepachi vannu vanda aru wopaya k cha ra daju bhai

I think it's just the mentality of Nepalese people. Somebody pointed out about spending 30 lakhs for studying medical college in Nepal and it's true  but they hesitate to provide loans to those who wants to study abroad. Nepalese society have a good ol  tradition of going abroad to earn money as a gurkha soldier , manpower worker or whatever the case may be . Therfore, most of our parents think that there son or daughter is studying abroad which means they should make enough money to cover their tution plus they expect some to send back home. Also that's what i thought when i first came to States.  In reality it's not. However, we still have that pressure to send money home or atleast cover your own expense. 
              Now talking about Indians and other asians their parents and society has already been through all these . The trend of going to abroad for higher education has been around for several years in these countries.  Therfore they are already aware about the situation and environmental condition for student thus they send their kids with the student loan or they fund their education. Anyway things are changing rapidly in Nepalese society too.  This will not stay the same. In fact it's gonna be us sending our kids to overseas to study in a student loan and give study as priority and work second especially in overseas education.