Unicornis,

Seems like you are an exception. I am talking about "MOST" not exceptions since exceptions are very few in number. It's good you had taken loan and paid that promptly. If you want to discuss your case, we can take that as an example as well on proving how you were also acting as per the environment you were raised in. I don't think you had accumulated a lot of wealth by your age in Nepal enough to put as a collateral for the banks to provide loan to you.