Sidster above gave a really good advice to students. Finding one's objective is really important in deciding schools and place of study. It is not necessary to study in US to get good jobs in Nepal. Nevertheless, travelling and studying abroad could be a good experience for a lifetime. However it is not wiser to spend money on things that is not necessity and student loan is a huge burden in itself. 
All the students abroad (Europe, North America and Australia) can achieve what they want with little or no help from parents. But sometimes it might be necessary to ask help from parents or get loans.
Few advice from my side (which might be redundant)

1) Choose school based on your objective and ambition. Small schools or state universities like in minnesota are small yet has accredition and quality. They have lower tuition rates and flat rates for 12-18 credits. There are tons of schools like these. Do the research.
2) Try to live according to your means. America is full of stuffs so beware of stuffs, if you start gathering you want stop.
3) In freshmen and junior year community colleges might be cheaper option but try to locate universities where you will land after that and and if courses get transferred.
4) Try to work in summer, use your network earn as much as possible. All are not lucky but don't stop trying.
5) Don't forget the internships, they are stairways to good job.
6) Don't bother much about money, money is needed and you knew that before starting to study. So try to plan your study according to it.

If applying all or part of these things you are not able to pay, transfer to cheaper universities, or hang on if you are only few semester short or ask parents and friends.
But don't ever be a fool and be in debt or leave your study.
I was a student and this helped me to get through........