I am assuming you don't have a GC. First, get your permanent residency. Then, if you can get into one of the top schools, what's wrong with taking a loan? Americans do it! Also, if you get into a top school, I am sure you will find someone who will be your cosigner. If you don't want to get a PR, few top schools, like Kellogg, even give out loan for international students. Besides, after you get out of the program you will be earning six figs that should easily cover up your loan within few years.

A word of caution for you! Your excuse to get into a top MBA program is so pathetic. Please don't blame your parents for what you should be studying in the future. Nepalis (your parents, including mine) have a twisted thinking that the more degrees you accumulate, the better it is. Most successful people follow their dream and they don't need CFA, CMA, MBA, or Master's or a PhD to do what they love doing. If you are just going to get a MBA because your parents are telling you so, then you are in for a rude awakening.

FF