Moreover, as I write a regular column (usually once every two- weeks) for a Weekly English magazine that comes out of Kathmandu, I want to do a story on this - once I have all the dope. As these are the days every Ram, Shyam and Ghanshyam are heading for the USA for higher education - they should be reminded aware of risks of default on student loans, something they discount in their excitement to study in the USA. Thank you once again. p.s.: Oops above I quote two different figures for his monthly salary - it is actually around NRs 12,000/month. Shakti doesn't have property (house land) under his own name: he lives on rent.