so true i feel the same way living here for 13+ yrs.. the more i stay , the more i realize i am different..yes if you have financial security in Nepal it's not worth staying here.. look at ur situation, you're still making payments in car, in hosue, etc.. so those things are actually not even yours they are owned by your bank and bank is okay as long as you make your payments, but jobs in usa is not secure for anyone. so you're always living in an insecurity that you may lose what you already have. lets say everything went ok and u finally were able to pay off your house car etc.. then you are 50-60 and already have lived most of your life isolated from what you like. and now you have whole different sets of problems to deal with. eg, Your Nepalicane son/daughter will you yelling at you Daaddd shuttt up...i hate you.. and they don't give a damn about your property back home. or your sister/brother etc have claimed ur property. etc etc.. well things might not be that worse... but you know what i mean..if you're single you should definately go back.. i would go in a heartbeat if i were single and with no kids...and evferyone should be aware of next big bubble burst, of education loan..watch this video: http://www.youtube.com/watch?v=iQpodOX4-7Q