to be frank with you, i would not suggest to get pre-OPT. i don't know how many semester are left for you to graduate, but since u r thinking for pre OPT, i am guessing that there is not much left for you to graduate. Ask money from nepal, I am sure ur family can understand and help you or if that is not possible get credit cards and use it. I know couple of my friends were able to get insecured student loan from wells fargo without collateral signature. May be ask money from your friends and pay for school. after u graduate, then apply for opt. u can look for internships, and use ur CPT. I know its hard but possible.