Student Visa (F1, F2, M1, M2)

My visa Today on 17th august 2016

Im suresh kumar,Andhra pradesh

Visa: Rejected 214(b)

place: US Embassy Chennai,

VO: come forward
me: good morning sir, how is your day ( the time is 11:20 am)

VO; which university u applied for?
me: Governors state university

VO: where is it located?
me: its in Illinois, University parkway(and i have bank loan of 20 lacs(here i did not say" educational loan") and
> i have 2 others sponsoring
> and I have Scholarship of 10lac from the state Govt of andhra pradesh for the marginalazied Families and students who want to study abroad.

VO: sorry, At this time wer can not aprove ur visa and u will be given 214B
Me: alright thank you.Have a nice day.

I was disappointed..for my poor performance...i walked back with passport i-20 and and 214B with a fake smile on my face

I forgot to smile, even he is not smiling but just kept asking and kept answering

My english is little breaking too but better.
 
Please help me in where i have gone wrong..and how i should be telling the officer


Please help me frame my financials, my father is 2.5lac he is retd employee, got 10lac of Govt scholorship, Cousin brother is Sponsering me he has 11lac savings with income of 16lac per year,
uncle(peddananna) fathers brother he is retd doctor has income of 4lac and fixed deopsits of 20Lac....next time when i apply what should be tell the officer with what i have? please comment