How much will it cost to study in the US?

Wondering how to manage your expenses in the US? Here’s our list of estimates to help!


Studying in the US can be financially demanding for international students. However, effective budget planning can assist you in managing your living expenses more efficiently. Prior to your departure from India, it is important to consider various expenses such as accommodation, food, health coverage, travel, and tuition fees when estimating the overall cost of studying in the US. By taking these factors into account, you can create a comprehensive budget plan to ensure your financial stability throughout your academic journey.

Tuition fee is your prime expenditure

In the United States, universities are generally categorized into two main types: public/state institutions and private institutions. Public/state universities tend to have lower tuition costs compared to private institutions. The tuition fees you will need to cover depend on factors such as the type of degree and the specific university or school you choose. On average, undergraduate tuition fees can range from approximately $8,000 to $55,000 per year (indicative).

The cost of tuition can vary across different fields of study. Humanities, arts, and education courses are typically more affordable, while subjects like medicine and engineering tend to be more expensive. For postgraduate programs, tuition fees are generally higher, and the costs can vary depending on the specific program. MBA programs are often among the most expensive, with an average cost of approximately $35,000 per year (indicative).

It’s important to note that these figures are indicative and can vary based on the institution and other factors. It is advisable to research and check the tuition fees of your preferred universities and programs for accurate and up-to-date information.

School Tuition fees in USD (indicative)
English language studies
$700 to $2,000 a month
Community colleges
$6,000 to $20,000 per year
Undergraduate bachelor degree
$20,000 to $40,000 per year
Graduate programs
$20,000 to $45,000 per year
Doctoral degree
$28,000 to $55,000 per year

Living expenses

It is important to allocate funds for grocery shopping, social activities, and emergencies when living as a student in a foreign country. Being mindful of your expenses and maintaining a budget can help you avoid overspending. The cost of living for a single student in the US can range between US$ 10,000 and US$ 25,000 per academic year (indicative), depending on the city you choose to live in. When creating your budget, it is also important to consider these common expenses:

  • Accommodation: Rent and utility bills.
  • Transportation: Public transportation or owning a car, including fuel and maintenance costs.
  • Food: Grocery shopping and dining out.
  • Health insurance: Coverage for medical expenses.
  • Books and supplies: Course materials and stationery.
  • Personal expenses: Clothing, personal care products, and leisure activities.

By considering these factors and effectively managing your finances, you can make your study experience in the US more affordable and enjoyable.

Expenses Average yearly cost*
Books and Stationery
$500- $1000
$500- $1200
Clothes and footwear
Miscellaneous expenses

*Note: All costs indicative and vary from region to region

Calculate your how much it will cost to live in the U.S. using our cost-calculator tool

Keep safe. Consider health support and insurance

All students traveling from India to the US are required to obtain medical insurance before starting their program. Many American universities and colleges offer comprehensive health insurance plans specifically designed for international students. However, it’s important to note that these plans typically only cover the duration of your program and end upon completion.

In some cases, institutions may not provide insurance, and you will need to arrange for private medical insurance. Your Urvi Technologies counselor will be able to provide guidance on this matter. The US offers extensive health and support services for Indian students, ensuring that you have access to necessary medical care. According to the American College Health Association, the average cost of a student health insurance plan ranges between USD 1,500-2,500 per year.

It is crucial to prioritize your health and well-being while studying in the US by obtaining appropriate medical insurance coverage.

Transportation. Know how much it will cost to move around

If your institution does not offer a shuttle service for transportation to and from your accommodation, you will need to rely on the existing public transportation options.

For short distances
You can make use of regional trains, buses, and subways. It is a good idea to get monthly passes for travelling to college and back as these can be fairly cheap.
For long distances

For travelling between different cities, you can avail any of the following options:

  1. Long-distance bus

  2. Rail

  3. Air

Don’t ignore your taxes

Indian students studying in the US can take advantage of part-time employment opportunities, working up to 20 hours per week during academic sessions and full-time during vacations. It is important to be aware that any income earned may be subject to taxation.

To effectively manage your finances, it is recommended to consider the potential impact of exchange rate fluctuations on your budget. Furthermore, actively seeking part-time job opportunities or applying for scholarships offered by universities can greatly help in reducing the overall cost of studying abroad.