The best option i see for you to come back to usa or canada as a phd student and look for job after that.  you can also apply canadian PR after arriving here.  as you said you can not run away from the loan, only option i see is to come back agian here.  trust me, once you are here, it will be lot easier.  being in nepal and looking for a job is 1000 times harder than finding a job from here.  apply for spring and come to usa or go to canada.  this is the best suggestion i have for you.