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.