personal query--anybody pls advise

Cost would to some extend depend on where your MBA school is located
Most schools provide projections for living expesnes for say alone/married/married with kids etc etc.

Well I look at your position this way If you are an int candidate willing to spend say 125000 USD if you go alone then taking your wife along would be say (taking a wild guess) 30000 USD extra.

Now say, u take a loan to pay of 125000 USD then spend x years to repay
where x would be 3 to 4 (assuming you take 100% loan and are willing to work in US)

Now with a wife with you its likely to be around x+ 1 or 2 years to pay off

So ask urself are you willing to scarifice 2 years of now (the best part of your life with your wife) to 1 or max 2 more years of loan pay back?? and then decide

Hope this helps

I am not married and not a mba but this is how I would look at it