Hey amit007nepal!!! let me clear you on one thing......LIFE IS NOT ALL ABOUT MONEY AND GETTING THINGS IN LITTLE TIME.... its an endless journey of sorrow, pain, memory, values, experiences and so on. What I can understand from your thread is that you are  only conserned about money and time. You might be right in your point of view but you cannot scale others choice upon what you think. Everybody is right in there own ways.

Lets come to the point now. Every body knows that America is a land of oppurtunity. Every one wants to come here. And the easiest way to come here is through student visa.  Not every body is living in ease in Nepal. People are frosted and they wanna run away from themselves as soon as possible. They want change and better life.Same happened to me and I bet same happens to every body. Look at the politics, look at the system....everything is messed up. When I was back in Nepal, there used to be bandha every single week. Man I was tired of that. Even though I have already completed 1 yr of my engineering I didnt thinked twice to come here on undergraduate. It doesnt matter why you came to America but the thing matter is how you handle matters. NO YOU CANNOT COMPARE THE SUFFERING OF UNDERGRADE WITH THE GRADE. We suffer a lot and we learn a lot. The only thing is that some can utilize what they have learned and some cant. HEY amit007nepal!! dont feel bad upon undergrads coz we arent having such a bad life as you imazined. Ya your right that we work a lot 12....13....18  hours a day but when it comes to having good times we dont compromise. We make a lot of money, we got a nice car, we got a chick on the front seat....... we got every thing that Americans dream of. Who cares about finishing study soon. Its only a matter of time . Sooner or later we gonna graduate not necessarily with good grades but who cares dude. KASTA KASTA BHANOUDA HARU TA GAS STATION MA KAM GARI RA KA CHAN. 

Choices dependes upon presonal preferance. Some likes to run some likes to walk. You might reach you goal soon but you will miss all those things we go through.

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.

Let me enlight you about one american fact..... America is not all about cash...its all about credit. Credit history is the most important factor while you stay in america. To buy a car, house, boat, business etc you need to have a good credit history. Its not possible to save 100,000 for a house but you need to get loan and for that you need good credit history and that doesnt comes with using cash.