I got my student visa last sem..all I could suggest you is:
Three damn sure hits: -Why US? A:Dont give static answers like "US is a great place to study etc etc" when asked for a reason to study in the US.
-Financial? A:Show them good financial records(consultatnts will help for this).
-Why this univ: A Give them some insight on the research you've done abt the univ you're applying..compare that US univ with an Indian univ u wanted to study and tell them why a US univ(My ans was- "I was looking at IIT and I couldnt get thru and then I started looking for other colleges which could offer the same quality of education and I found this univ, thats y I wanted to go to US)
Be CONFIDENT and you will get it.. Remember - the consulate is not doing you a favour by giving you a visa-they just want to make sure u r a valid student. Ofcourse, you are going to shell money in the US-why would they want to reject?