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Cost of Living in USA

Cost of Studying in USA

Why Study in USA

Fully Funded Scholarship in USA

Exams Required to Study in USA

USA Study Visa
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Everything you need to know about studying in the USA
International students in the USA can work up to 20 hours per week during academic sessions. Part-time wages usually range from $10–$15/hour (835–1,250 INR). The national average hourly wage is $29.81 (2,490 INR).
Yes, international students must apply for an F-1 student visa to study in the USA. You’ll need a valid passport, Form I-20 from a SEVP-approved school, SEVIS fee payment proof, visa application form (DS-160), and a visa interview.
CPT (Curricular Practical Training) allows students to work while studying if the opportunity is inline with their curricular program - subject to authorization from the university administration, while an OPT (Optional Practical Training) allows students to work full-time in the U.S. for 12 months after graduation for Non-STEM designated programs and up to 36 months after graduation for STEM -designated programs.
Yes, international students in the USA on an F-1 visa can work part-time on-campus for up to 20 hours per week during the academic year, and full-time during holidays or scheduled breaks. Off-campus work is allowed only after one year, upon due authorization from the university administration and provided it is inline with the curricular outline.
To apply for Graduate Assistantship (GA), Research Assistantship (RA), or Teaching Assistantship (TA) roles in the USA, you will need to be admitted to a graduate program. Then, you must contact professors whose work matches your interests, share your resume, and express interest in assistantships. We suggest you apply early and network within your department for better chances. upGrad students are more likely to be picked for these roles owing to their advanced academic standing in the discipline.
A STEM-designated program in the USA refers to designated degrees in Science, Technology, Engineering, and Mathematics - to advance certain disciplines with pioneering innovation, research and development. These programs allow international students to work in the US for up to 36 months under OPT (Optional Practical Training) after graduation.
The USA has two main intakes for international students who operate on semester-wise basis: Fall (August/September), Spring (January). In universities that operate on quarter terms, there is an additional intake - Summer (May). Spring and Fall are the most popular, offering the widest range of courses, while Summer intake has fewer program options.
The SEVIS (Student and Exchange Visitor Information System) is a U.S. government database that tracks international students. After you are admitted into a university, you are issued an I-20 and asked to pay the SEVIS fee, both of which are required to apply for an F-1 visa.
It’s smart to begin your planning at least 12–15 months before your intake. Most US universities receive thousands of international applications each cycle, and early applicants genuinely stand out. Starting early also gives you time to prepare for tests, arrange funding, gather documents, and secure a visa slot all of which take longer now because Indian applications to US have surged by nearly 35% in the last three years.
Yes, and the numbers back this up. US hosts over 2.7 lakh Indian students, the highest ever recorded. Students benefit from flexible programs, industry-driven curriculum, and exposure to global companies. US also produces 17 of the world’s top 25 universities, which means the academic and research quality is unmatched. That’s why graduates often see higher earning potential and faster career mobility.
You can, depending on the university. More than 1,800 US institutions have been test-optional in recent years, especially after the pandemic. But competitive STEM and business programs may still prefer strong GRE or GMAT scores because they make shortlisting easier. If you skip tests, your GPA, projects, SOP, and recommendations need to do the heavy lifting.
The average student spends USD 1,200–2,500 (₹1.08–2.25 lakh) per month on housing, food, transport, and essentials. Many Indian students reduce this by choosing suburban locations, sharing accommodation, using campus dining plans, and working part-time. Around 70% of Indian students take up on-campus jobs or paid research roles to manage monthly expenses without straining their budget.
Yes. F-1 students can work up to 20 hours per week on campus during classes and full-time during breaks. Beyond that, CPT and OPT allow students to work in their field of study, and STEM students get up to 36 months of OPT. Most graduates rely on OPT to gain experience and build their professional network in US.
US universities take safety seriously. Most campuses have 24/7 security, emergency call boxes, student shuttle services, and real-time alert apps. According to the latest Open Doors data, over 2.5 lakh Indian students study in US each year without major safety concerns. The key is to follow local guidelines and stay aware of your surroundings, just as you would in any major city.
The shift in academic style is the biggest one. Classes are discussion-heavy, professors expect critical thinking, and assignments involve real-world problem-solving. Add cultural differences, weather changes, and managing daily chores the first few weeks feel intense. But most students settle in quickly, and surveys show over 90% of Indian students report high satisfaction once they adapt.
They’re competitive, but absolutely achievable. US awards over USD 10 billion in scholarships to international students every year, and Indian students are among the top recipients. Strong academics, early applications, and clear career goals usually increase your chances. Most students lose out because they apply late or miss the eligibility criteria.
Yes, it’s possible. Nearly 30% of US undergraduates switch majors at least once, and universities are used to helping students transition. You’ll need approval from your academic advisor, and in some cases, you may have to take additional prerequisite courses. It’s easier to switch in your first semester before your coursework builds up.
You can reapply without any waiting period. Visa rejections are often due to unclear intent, financial inconsistencies, or weak interview answers. India’s F-1 visa approvals have improved significantly in recent years, with lakhs of students getting visas annually. If you fix the gaps and prepare better, many students get approved in their second attempt.
Yes. You must show funds that cover at least one year of tuition plus living expenses. For many students, this means demonstrating around USD 30,000–60,000 (₹27–54 lakh) depending on the university. You can show savings, sanctioned education loans, fixed deposits, or scholarship letters. The officer simply needs to trust that you won’t face financial trouble after arriving.
Keep your answers simple, honest, and connected to your academic goals. Visa interviews usually last 2–3 minutes, so clarity matters more than scripted lines. Officers mainly check three things: your intent to study, your academic plan, and your financial readiness. Students who stay calm and confident generally handle it well.
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To study in USA, international students must research accredited academic programs at U.S. universities, take required standardized tests such as TOEFL or IELTS for English proficiency, and prepare essential application documents, including transcripts, recommendation letters, and a statement of purpose. Upon receiving an acceptance letter, secure a student visa (F-1 for academic studies, M-1 for vocational, or J-1 for exchange programs), prove financial capability, and organize housing arrangements either on-campus or off-campus. This pathway leads to renowned institutions offering degrees in high-demand fields like STEM, business, and liberal arts.
Study in USA Highlights:
Category | Key Stats |
Universities | ~4,000 total; 171 top-ranked |
Top Universities | MIT, Harvard, Stanford, Princeton, UC Berkeley, UCLA |
Top Courses | CS/AI, Engineering, MBA, Data Science, Medicine |
Approx. Tuition/Year | Public: $10K–$55K (₹9–49.5 lakh); Private: $35K+ (₹31.5 lakh+) |
Living Costs/Year | $10K-$18K (₹9–16.2 lakh) |
Visa Fees | $160 application (₹14,400) + $250 integrity (₹22,500) + $350 SEVIS (₹31,500) |
OPT Work Permit | Up to 3 years (STEM) |
Part-Time Work | 20 hrs/week on-campus |
Study in USA remains the premier choice for international students, especially Indians (over 422,000 in 2024, comprising 27% of 1.58 million total foreign enrollees), due to unmatched academic excellence and career pathways.
Key Reasons Why Choose USA:
Recent Updates in USA (2025-2026)
The education system in USA for international students includes associate, bachelor’s, master’s, and PhD programs. You can choose between public universities, private colleges, and community colleges, depending on your budget, academic background, and career goals.
The higher education system in USA supports skill development through electives, internships, and research. For students planning to study in USA after 12th or apply for postgraduate courses in USA, master's (1-2 years, 30-60 credits) via coursework/thesis, and PhD/doctorate (3-7 years), blending advanced courses with original research/dissertation.
Higher education levels build progressively from job skills to research leadership. Associate degrees provide quick entry or transfers; bachelor's offer foundations; advanced degrees drive expertise.
Level | Duration | Credits Required |
Associate | 2 years | 60 |
Bachelor's | 4 years | 120 |
Master's | 1-2 years | 30-60 |
Doctorate (PhD) | 3-7 years | Varies (coursework + research) |
Credits quantify workload (1 credit = 1 class hour + 2 study hours weekly), with full-time loads ensuring visa compliance. GPA on a 4.0 scale measures performance for progression and scholarships.
Aspect | Details |
Credit Hours | 1 credit = 1 hour/week class + 2 hours study; full-time: 12-15/semester; bachelor's needs 120 total |
GPA Scale | 4.0 (An excellent) to 0.0 (F fail); calculated as (grade points × credits)/total credits |
Full Load | 12+ credits/semester for F-1 visa compliance |
US institutions vary by funding and focus, from large public systems to elite private. Each suits different goals, budgets, and career paths for international students.
Type | Key Features | Examples |
Public Universities | State-funded, large enrollment, affordable for residents, broad programs | UC Berkeley, UCLA, California State University |
Private Nonprofits | Tuition-funded, smaller classes, elite research focus | Harvard, Stanford, MIT, Princeton |
Community Colleges | 2-year affordable entry, transfer pathways, vocational focus | Various state systems (e.g., Miami Dade College) |
Liberal Arts Colleges | Undergraduate emphasis, small classes, broad liberal education | Williams College, Amherst |
With over 422,000 Indian students enrolled in 2026, top universities such as Harvard, MIT, Stanford, University of California Berkeley, and Columbia University consistently attract talent from India across diverse fields. These institutions combine academic excellence with strong industry connections, internships, and global alumni networks.
Best places to study in USA per QS/THE rankings emphasize research and employability for study abroad in USA from India.
Top engineering programs suit Indian STEM students with industry ties and OPT extensions.
Rank (QS Eng) | University | Annual Tuition |
1 | Massachusetts Institute of Technology (MIT) | $86.5K (₹73.5L) |
2 | Stanford University | $82K (₹69.7L) |
3 | University of California, Berkeley (UCB) | $55K (₹46.8L) |
4 | Purdue | $30K+ (₹25.5L+) |
5 | Georgia Tech | $28K (₹23.8L) |
MBA programs accelerate careers through global networks and finance hubs.
Rank (QS Business) | University | Annual Tuition |
1 | Harvard University | $76K (₹64.6L) |
2 | Stanford GSB | $77K (₹65.5L) |
3 | Wharton (UPenn) | $84K (₹71.4L) |
4 | Northwestern (Kellogg) | $81K (₹68.9L) |
5 | ASU | $30K (₹25.5L) |
MS programs target AI/ML roles with Silicon Valley access post-OPT.
Rank (QS CS) | University | Annual Tuition |
1 | Massachusetts Institute of Technology (MIT) | $86K (₹73.2L) |
2 | Stanford | $82K (₹69.7L) |
3 | Carnegie Mellon | $65K (₹55.3L) |
4 | Northeastern University | $29K (₹24.7L) |
5 | University of Illinois Urbana Champaign (UIUC) | $42K (₹35.7L) |
LLM enhances global legal practice with Ivy League clinics.
Rank (QS Law) | University | Annual Tuition |
1 | Harvard Law | $75K (₹63.8L) |
2 | Yale Law | $74K (₹62.9L) |
3 | Stanford Law | $72K (₹61.2L) |
4 | NYU Law | $78K (₹66.3L) |
5 | Columbia Law | $80K (₹68L) |
MIM builds analytics and leadership for young professionals.
Rank (QS Mgmt) | University | Annual Tuition |
1 | Northwestern MEM | $68K (₹57.8L) |
2 | Duke University (Fuqua) | $70K (₹59.5L) |
3 | University of California, Berkeley (UCB) | $37K (₹31.5L) |
4 | Michigan Ross | $62K (₹52.7L) |
5 | ASU | $30K (₹25.5L) |
Acceptance rates vary subjectively from 3% (Harvard) to 90%+ (state schools), driven by applicant quality over raw numbers. Indians (422K+ enrollees) face high competition in STEM/MBA; 2025-26 data shows top tiers at 3-10%, mid 20-50%, base 70%+.
Rate Breakdown by Tier
Tier | Rate Range | Examples (Indian-Friendly) |
Top | 3-10% | Harvard (3.6%), MIT (4%), Stanford (3.9%) |
Mid | 20-50% | Purdue (53%), UIUC (44%), Northeastern (18%) |
Base | 70-100% | Indiana (82%), Kansas (88%), Arizona State (88%) |
Key Influencing Factors:
Tips to Boost Indian Acceptance Odds:
Popular courses to study in USA for Indian students span high-ROI STEM, business, and healthcare, includes hybrid options (Purdue, Northeastern, ASU) alongside elite traditional programs (MIT, Harvard), balancing the cost of studying in USA for Indian students with career returns.
Top 10 Courses & Universities:
Course | University Examples | Tuition (Total) |
MS Computer Science | Northeastern, Purdue, MIT | $29-86K (₹24-73L) |
MS Data Science | ASU, Purdue, UIUC | $30-42K (₹25-36L) |
MS Engineering Management | Golden Gate, Purdue | $30K+ (₹25L+) |
MS Business Analytics | Clark Univ, Carnegie Mellon | $33-65K (₹28-55L) |
MBA | ASU, Golden Gate, Harvard | $30-76K (₹25-65L) |
MS Mechanical Engineering | Stanford, Georgia Tech | $60-82K (₹51-70L) |
MS Electrical Engineering | MIT, UC Berkeley | $55-86K (₹47-73L) |
MS Finance | NYU Stern, UPenn Wharton | $70-84K (₹60-71L) |
Public Health MPH | Johns Hopkins, Emory | $65-75K (₹55-64L) |
Biotechnology MS | Northeastern, Johns Hopkins | $40-65K (₹34-55L) |
Note: The amounts mentioned in the table are approximate and may vary depending on the currency exchange rates.
Study in USA mandates academic qualifications, English skills, and an F-1 visa via SEVP-certified schools. Common App (900+ UG programs) and ApplyTexas streamline applications for how to study in USA from India.
Requirements scale with degree level, UG needs high school completion; grad demands bachelor's/research experience.
Level | GPA | Key Requirements |
Bachelor's | 2.5-3.5 | High school diploma |
Master's | 3.0+ | 4-yr Bachelor's |
Doctorate (PhD) | 3.5+ | Research experience |
Core documents prove academics, intent, and finances for both admission and visa stages.
Category | Items Needed |
Academic | Transcripts, diplomas |
Personal | Passport, SOP, 2-3 LORs |
Financial | Bank statements, sponsor letter |
Tests validate readiness; hybrid programs often waive GRE/GMAT for strong profiles.
Exam | Level | Competitive Scores |
SAT | UG | 1350+ |
GRE | MS/PhD | Program-specific |
GMAT | MBA | Program-specific |
English mastery is mandatory for all levels; scores vary by selectivity.
Test | Elite Unis | Mid-Tier |
TOEFL | 100+ | 80-90 |
IELTS | 7.0+ | 6.5 |
F-1 Visa follows admission, proving genuine student status and funding at interview via structured steps.
Step | Requirement | Details |
1 | Secure I-20 | From SEVP school |
2 | Pay SEVIS | $350 (₹31,500) fee |
3 | DS-160 + Interview | Show ties/funds |
Cost of studying in USA for Indian students averages $35K-$65K/year (₹30-55L) per NCES data, with tuition dominating (public out-of-state $31K avg). Living expenses add $15K-20K; SEVIS fee fixed at $350 via DHS. Costs vary by state/institution type.
Breakdown covers tuition through daily expenses; NYC/SF is 50% higher than the Midwest.
Category | Annual Cost (USD/INR) |
Tuition | $20K-60K (₹17-51L) |
Rent | $10K-18K (₹8.5-15L) |
Insurance | $2K-3K (₹1.7-2.5L) |
Services/Amenities | $3K-5K (₹2.5-4.2L) |
Study Materials | $1K-2K (₹0.85-1.7L) |
Visa/SEVIS | $350+$160 (₹42K) |
Note: The amounts mentioned in the table are approximate and may vary depending on the currency exchange rates.
Public unis bill per semester (12-15 credits); full-time F-1 compliance required.
Type | Per Semester (USD) | Annual (USD/INR) |
Public Out-State | $10K-25K | $31K avg (₹26L) |
Private | $25K-45K | $35K+ avg (₹30L+) |
Note: The amounts mentioned in the table are approximate and may vary depending on the currency exchange rates.
STEM/MBA command premiums; 1-2 year programs reflect annual rates.
Course | Annual Tuition (USD/INR) |
MS Computer Science | $30K-60K (₹25-51L) |
MS Engineering | $25K-55K (₹21-47L) |
MBA | $50K-90K (₹42-77L) |
MS Data Science | $28K-50K (₹24-42L) |
Note: The amounts mentioned in the table are approximate and may vary depending on the currency exchange rates.
Monthly cost of living in USA for Indian students averages $1,200-$2,200 (₹1L-1.85L) excluding tuition, varying by city (NYC/SF $2.5K+, Midwest $1K). Housing dominates, sharing cuts 30-40%. F-1 requires health insurance coverage.
Breakdown reflects shared/single options for realistic budgeting across regions.
Expense | Monthly Cost (USD/INR) |
Housing (1BR) | $1,200-2,000 (₹1-1.7L) |
Housing (2BR shared) | $800-1,400 (₹68K-1.2L) |
Utilities | $150-250 (₹12.8-21K) |
Groceries | $300-450 (₹25-38K) |
Transportation | $100-200 (₹8.5-17K) |
Health Insurance | $150-300 (₹12.8-25K) |
Dining Out | $100-200 (₹8.5-17K) |
Internet/Phone | $80-120 (₹6.8-10K) |
Entertainment | $50-150 (₹4.2-12.8K) |
Total Monthly: $1,500 avg (₹1.27L) shared; $2,200 single (₹1.87L).
Note: The amounts mentioned in the table are approximate and may vary depending on the currency exchange rates.
Best cities for Indian students in USA attract 70%+ of 422K Indian enrollees due to job hubs, universities, and Indian communities. NYC/SF/Boston lead with tech/finance clusters; costs are higher, but salaries are offset via OPT.
1. New York: Finance Hub
New York is the financial capital of the world, home to Wall Street, global banks, consulting firms, and top universities like Columbia and NYU, making it ideal for finance, business, and analytics-focused Indian students.
2. San Francisco: Heart of Silicon Valley
San Francisco and the Bay Area sit at the core of Silicon Valley, offering unmatched access to tech giants, startups, and innovation roles in software, AI, and product management for STEM students.
3. Boston: Biotech & Academic Cluster
Boston hosts elite institutions like MIT and Harvard along with a dense biotech and research ecosystem, making it a top pick for engineering, life sciences, and research-oriented Indian students.
4. Philadelphia: Banking & Healthcare Hub
Philadelphia combines historic banking roots with strong healthcare and education sectors, anchored by universities like the University of Pennsylvania, offering good jobs at relatively lower living costs than NYC.
5. Seattle: Cloud & Software Leader
Seattle is a major tech hub with companies like Microsoft and Amazon, offering strong opportunities in cloud computing, software, and data roles alongside a comparatively moderate cost of living.
For students looking to study abroad in the United States, applying for a scholarship to study in USA or a study loan in USA can significantly offset tuition and living expenses. Studying in USA can cost anywhere between USD 25,000–60,000 per year (approximately ₹21–50 lakh), depending on the university and course. For Indian students, scholarships to study in USA play a crucial role in making this more affordable. According to recent data, over 70% of Indian students in US receive some form of financial aid, ranging from merit-based awards to need-based funding.
Popular options include government-sponsored scholarships like Fulbright-Nehru, university-specific scholarships such as the Stanford Reliance Dhirubhai Fellowship, and privately funded programs like the Inlaks Shivdasani Scholarship.
Major Scholarships for Indian Students Studying in USA:
Name | Main Eligibility | Scholarship Amount & Duration |
Fulbright-Nehru Master’s Fellowships | Indian citizens with strong academics and relevant work experience | Tuition + living costs; full program duration |
Fulbright-Kalam Climate Fellowship | Indian researchers in climate science | Research funding + living allowance; 6–12 months |
Inlaks Shivdasani Scholarships | Indian students admitted to top US universities in select fields | Up to USD 100,000 (₹90 lakh); full program or until funding cap |
Stanford Reliance Dhirubhai Fellowship | Indian students admitted to the Stanford MBA | Tuition + fees; 2 years |
AAUW International Fellowships | Women pursuing full-time study in US | USD 20,000–50,000 (₹18–45 lakh); 1 academic year |
Hubert Humphrey Fellowship | Mid-career professionals from India | Fully funded non-degree program; 10 months |
Tata Scholarship for Cornell University | Indian undergraduates admitted to Cornell | Full tuition; 4 years |
Yale University Scholarships | Need-based support for admitted international students | Varies, can cover the full program; program duration |
Michigan State University Global Scholarship | High-achieving international applicants | USD 1,000–7,500 per year; up to 4 years |
Aga Khan Foundation Scholarships | Students with financial need applying for master’s programs | 50% grant + 50% loan; depends on program |
Scholarship applications follow structured timelines - Fulbright opens May-July annually; university awards align with admissions. Start 12-18 months early via USIEF/Education USA for the highest success.
Application Steps:
Process mirrors university apps but emphasizes leadership/research over GPA alone.
Step | Action | Timeline |
1. Research | USIEF.gov.in + uni sites | 12-18 months before |
2. Gather Docs | Transcripts, SOP, 3 LORs, CV | 6-9 month before |
3. Submit Online | USIEF portals/university apps | Deadlines vary |
4. Interviews | US consulate/USIEF panel | Shortlisted only |
Key Deadlines (2026 Cycle):
Getting a US student visa is a key step if you want to study in USA for Indian students. While it may seem complex, the process becomes straightforward when broken into four stages: preparing documents, paying fees and booking a slot, interview preparation, and attending the visa interview. Knowing each step helps you meet all requirements to study in USA and increases your chances of approval.
1. Before the Interview: Documents You Need
Make sure you have these ready before booking your interview:
2. Visa Fee Payment & Slot Booking
3. Preparing for the Visa Interview
4. On the Visa Interview Day
Studying in USA opens diverse career paths for Indian students. With access to global companies, internships, and research opportunities, students can gain hands-on experience while building a strong international profile. According to recent reports, over 60% of Indian students in US secure internships during their studies, and a significant portion receive full-time job offers after graduation.
The Jobs in USA for Indians are constantly evolving. Currently, the sectors with high demand for skilled professionals include:
Indian students who graduate in these fields often land roles with competitive packages:
Job Role / Title | Approximate Annual Salary (USD) | Approximate Annual Salary (INR) |
Data Scientist (median total pay) | USD 152,000 | ₹ 1.37 million (₹1.37 crore) |
Data Scientist (typical range) | USD 120,000 – 195,000 | ₹ 1.08 – ₹ 1.76 million (₹1.08 – ₹1.76 crore) |
Data Engineer | USD 146,000 | ₹ 1.31 million (₹1.31 crore) |
Software Engineer / Developer (mid-level total comp) | USD 173,000 | ₹ 1.56 million (₹1.56 crore) |
Senior Software / Data Engineer (senior/lead roles) | USD 200,000 – 220,000+ | ₹ 1.80 – ₹ 1.98 million+ (₹1.8 – ₹1.98 crore+) |
Data Analyst (average) | USD 86,000 | ₹ 77.4 lakhs |
Data Analyst (entry to mid-level) | USD 55,000 – 100,000+ | ₹ 49.5 – ₹ 90 lakhs+ |
Note: The amounts mentioned in the table are approximate and may vary depending on the currency exchange rates.
Looking ahead, certain domains are projected to see rapid growth: