Yekloyatri,

Thanks for putting some points out here, but let me tell you how even coming for a master degree we must do the same thing that the undergrads have done here. No Offense thou....

"Perhaps, you have been through the fast lane of success by getting  your degree, H1-B visa, job as a TA/RA and a again job after graduating. What you have said is partially correct. But with all due respect you have never experienced what it takes to be an undergrad in USA". Comparing 4 yrs and 2 yrs, you might say its a fast lane..but being successful is not anyones piece of cake...I never had a TA/RA as you mentioned...never worked on campus....got my SSN after 1 yr...getting H1-B you must have grab the right time and right place..You are saying that undergrads work $7/hr, let me tell you I use to work for $5.5/hr working 15 hrs a day. Its not easy even for the masters dude.

"The whole undergraduate experience will teach you a lot about American values and about life. It gives you a clear picture that you could come from no where in this land of opportunity and with hard work and strong determination struggling 5 years you could achieve your dreams".To learn about the American culture even a year is enough. Within 3 mths of coming to USA, you generally have the clear picture where to landed on..even students on masters do all the hard work that undergrads go from, working 12-15 hrs a day..balancing both work and studies...let me also highlight one more factor...Studies in Masters are more difficult than undergrads...

Let me explain each and every point that you have mentioned:

a) Undergrad candidates who finish their degree on an average can speak and understand English far more better then someone who came here to do their masters. I've seen it awful lot of time. I agree on this point, but speaking and understanding English depends on each and every individual...ya you might say that when studying in Undergrads, we make many american friends..stay in dorms...and helps to improve communication...but even in master we can improve it...but as I said it before depends on how one looks at it

b) Undergrad student have better credit scores and credit history then their counter parts i.e people who came here to do their masters degree. Creating a credit scores and credit history is just a small factor, even in masters you have various ways to increase your credit scores, it takes time..even in undergrads it takes time...how beneficial are u with credit history...having unlimited credit card..but tht is not our money...we must pay it back..so not worth it..I will be happy if I have money in my checking account rather than having a debt of $10000.

c) Undergrad students go through the bitter experience and learn core values of life. They always know what it takes to graduate, how every penny counts for tuition?, How to juggle between work, social life and studies. Even for master it is same dude...we dont depend on our parents for all the tuition fees...people have worked their ass off to balance their work and studies...to pay their bills, tutions in time...even for masters every penny counts...the only fact is not as hard as of undergrads

d) Coming here as an undergrad you are an independent candidate. You do not have to depend on your parents income and for other allowances. As a matter of fact undergrads even pay off the debt their parents took to send them to this dream land..1% nepali student might depend on every single penny on their parents when they come to USA but 99% earn by themseleves, paying off your parents debt is the best example...most of them might be undergrads or grads pays it, might depend on the time period..An independency doesnot matter when u come for undergrads or grads

e) Unlike masters candidate you don't need to live with your parents while doing your undergrad. You are free to do what you like. You would stumble and you would fall but you would learn from that experience. You don't have to depend on your parents to pay for everything from your tuition expenses to clothing, housing, food, vacation, vehicle, and even the money that you might need to chill on a friday night. Everyone learns from their mistake...thats how you understand this money making world...but even in master we dont depend on the expenses that we have here with our parents...whether it is a friday night or monday morning...

So as I explained most of your listed factors...its the same that whether you study masters or undergrads the pain to get successful is always their..but my only factor is why have a pain for 5 yrs rather than having a pain for 2 yrs. As even after completing your undergrads your pain for master's in USA is still left.....