Actually what i posted above was solely for those who will be  permanently going back to Nepal without paying their dues. As long as you are coming back to US and you gonna pay them latter on..you should be fine ...just higher interest rate or extra charge for late payment and ofcourse slight change in your credit history..Actually i  missed the part "farkine bela" in your thread  while reading and i posted that comment which was off the track...Anyways people have to care of that too......