Dear All,
This is very nice thread.

Well it seems not only me but other people too have debt.
Debt offcourse is a tension. It is sometimes very frustating but if you make plans to overcome your debt and stick to it you might overcome it. In this country money is given freely but interest is taken ruthlessly so pls try to lower your expenditure and be bit miser ( i mean when necessary). Spend according to your income.
That was bit of things which i know all of you know but just a reminder.
I have assistantship still i do have debt of 3000 which i think is not much and I spent it for study so its like investment. May be i will overcome it by December. Next is debt of 6 lakh nepalese rupee which is not a debt but my father gave to me so I plan to return it not as loan but as "Chora ko kamai" and I will only be able to do that when I have study and job.
I just want to say that when we have job and money we can spend it but if we don't have we need to cut our budgets even tiffin. ha ha from some chinese or pizza ranch to Ramen noodles and Keep our study alive ............