Nice thread and you raised some valid points.

1. Nope. We lack self confidence in general (I'm generalizing to be honest). Most 80% hail from middle class family who can't afford study abroad program but have the desire to. Parents can only afford 1 semester of fee (that too is taken as a loan). Most feel that asking more money from their parent or requesting to take loan from their behalf isn't moral. In general Nepalese people like low risk investment.

2. More than a mentality there isn't a role model to be followed. You won't see or hear Nepalese taking loans, finishing their program on time and landing a job. What you see is parents getting a loan for a semster and sending their children abroad and praying they won't fail.

3. See 1 and 2.

I would say there isn't an environment for Nepalese students to get loans. To get loans banks will ask for security asset which is highly devalued.

We have the mentality of working hard not working smart. Mentality needs to change in general.

One again, good thread.