Let me expand a little more (forgive me for laying out a picture so vividly). Assuming that you are here to study, this is how your life would roll(if not being funded by some other source).

1. In the first semester you would take 16-19 credits and live a carefree life. Next semester you would worry about your tuition and thus end up going to Ocean City or to some other place where you could bust your rear off and make money for college.

2.You would be socially impaired. In the first semester you would love to hang out with your room mates and think every thing is cool. But later your attitude would change. You would look at everyone with the skeptical glasses on. You would realize, whats the value of friendship? You would also realize the value of money and how much dear and near it is. You would also realize "DON'T TRUST ANY ONE."

3. By busting your rear up every now and then you would keep paying your bills. You grade would be somewhere around +-3.0(not valid on all cases). On weekends you would end up with couple of beer and same old faces (later you would dislike that too).

4. Years and years would pass by and you would feel that you have just arrived here. It would take approximately on an average 5 years for you to complete your bachelor degree. Just because you opt to transfer to atleast 3 colleges.

5. You would go back home, everyone would expect gifts. The question they would ask you would be, "How much money did you make?" "When will you finish your degree." "when are you going back." "Are you planning on getting married." etc.. You think their question is absurd and thus realize they are knuckle head. You visit would be limited and you would spend most of the time spending and drinking lavishly and you would love to go to place which you could not afford before.

6..Finally a day would come and you would proudly graduate looking at all those years and tears. You would be really happy and proud. And then you would get yourself tangled in the mess of H1B's( if you are not LPR ofcourse). You struggle through interview ( if you aren't lucky enough to be offered a job). Some start their masters right away while some don't even bother.

7. You finally get yourself a decent job and no matter what you study, you would end up making a starting salary of 45K-55K. You would buy yourself a new car, Hell some would even buy a house and some would send the money back home as to get off debt.

8. Three years would pass by. You would feel your life is a weird never ending loop that keeps on rolling. Work like a war horse Monday through Friday and then get drunk or party on Friday night wake up late on a Saturday and then wait for Monday to come so that you could start the cycle again.

9. You would feel very dissatisfied because you would like to spend time with your family that you cant since you want to live here and work. You would be in such a dreadful situation that you dont even wanna go back coz now you salary is somewhere around 100K. On top of that you are not satisfied with your social life. You dont even have a decent partner that you can count on.

10. Your parents give you lot of pressure as they want to play with their grandchildren. They want you to get married but with Nepalese only and of specific cast(not all parents). Some get married some still wait while some get married but their spouse don't get any visa. And you keep juggling between your martial relationship, family and your job.

11. By the time you open your eyes 10 years is gone. Now think again? Was is all worth if you are not satisfied? Is this the dream that you were really willing to chase?
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I think i've said too much for someone who just seeking for advice for a good job and good credit history. This is a typical example and may not apply for everyone. Some people get married to US citizen and have their own direction in life. Some are even lucky to win a million dollar lottery. While some die in accident whereas some get send back. Once again I wish you a warm welcome to this wolf trap or quicksand. Enjoy your stay.

Wishes,
YekloYatri