Thanks again, everyone for a wonderful discussion. It had been a while since we saw a truly positive and thought-provoking discussion like this in Kurakani. Anyway, this has really made me think, and among a stream of thoughts generated in me by this discussion, I came across another idea: How about providing younger students (perhaps until high school) with GRANTS, while making low or no interest loans to college students? Even if those college graduates may not end up staying back in Nepal, they can still be made to pay back their loans from what they earn as diapora. This can be made sustainable by the earning from fees and/or interests, or, perhaps even from donations from previous recipients of the loans who may have done well as professionals. If this idea reflects naivety on my part, which it very well might, some insights would be appreciated. Also, Ashu, what is the problem with those promising, smart college-level students going to government colleges? Fees at TU campuses are affordable, I believe.