score:3
You didn't qualify for the visa because the consular officer decided that you did not overcome the required presumption under U.S. law that every visitor visa applicant is an intending immigrant until they demonstrate otherwise.
Applicants for visitor visas must overcome this presumption by demonstrating:
• That the purpose of their trip is to enter the United States temporarily for business or pleasure;
• That they plan to remain for a specific, limited period;
• Evidence of funds to cover expenses in the United States;
• That they have a residence outside the United States as well as other binding ties that will ensure their departure from the United States at the end of the visit.
Source: https://travel.state.gov/content/dam/visas/PDF-other/VisaFlyer_B1B2_March_2015.pdf
In your case, unfortunately you fit the profile of a typical high immigration risk application. You’re single and have already left behind your home country, you’ve only recently started your studies so could potentially easily abandon them, and you’re funding your studies from borrowed resources. How to prove that you have significant ties with family in your home country?