Before a student plans to study abroad in USA it is important to have an understanding of the costs involved.
Here are the details of specific costs involved.
1. Application Costs
A study abroad plan for a student starts with the application process. If a student plans to apply to four or five different colleges/universities, then the student should consider the costs like: application fees, international courier charges, documentation fees and miscellaneous expenditure like stationary etc.
In USA, the application fees may range between $25 - $ 100 USD per institution with most of them ranges between $ 50 - $75 USD. Very few institutions will process applications without this fee and it must be paid be once a decision has been made on the application.
2. Standardized Tests
In most cases, students have to take one or more standardized tests such as TOEFL/GRE/GMAT/SAT/IELTS as a prerequisite for admission. Test registration fees range from $165 - $ 250 USD each, without including the possible extra score reporting fees (if students does not know which college/university they plan to send the scores at the time of registration). If a student wants to send additional score reports after taking the tests, these fees may range from $10 - $28 USD per institution. In addition, if a student plans to take any test preparation course/coaching, then there might be the coaching fees as well.
3. Tuition Fees
Please note that all the costs indicated are approximate and may vary depending on the courses and universities. Also please note that the tuition costs can increase from one year to another; the average increase may be around 5 – 10% per annum.
4. Living Expenses
The cost of food may cost at an average of $300 USD per month approximately. The other incidental expenditures like rent, utilities, entertainment, transportation and other expenses, the average may be around $800 - $ 1,500 per month for a single student depending on the location and the style of accommodation. (Some urban areas like Boston, New York City and San Francisco etc are more expensive than others). If a dependent like spouse or children are accompanied by the student then the amount may increase approximately around $ 500 for each dependent. (Note: Dependents are not authorized or allowed to accept employment in USA).
5. Health Insurance
Health insurance is mandatory for all international students who plan to study abroad in USA. Depending upon the company and policy taken, the cost of insurance for a student may be approximately from Rs.30,000/- to Rs.75,000/- per annum.
6. Books and Supplies
The cost of books and supplies can be anywhere between $ 400 - $ 1,200 USD per annum depending upon the course and field of study. For some programs, students are required to purchase a laptop, computer and also softwares.
7. Other Costs
A student Visa application fees (presently approximately Rs.6.580/-), airfare and other miscellaneous expenditure like a security deposit for a room/house/apartment rented, basic necessities etc. are also to be considered while calculating the expenditure involved when studying abroad. A round trip air fare from India to USA can be approximately between Rs.50,000/- to Rs.1,00,000/- depending upon the time of travel in the year and also the airlines.
Chart of Average Educational Costs in USA (All amounts are indicated in $ USD):
FINANCIAL PLANNING
Students who study abroad often regard it as the experience of a lifetime. It is an exciting time where the student learns almost everything inside/outside the classroom. But, it can be very expensive, and it takes some advance planning. By creating a sensible budget and sticking with it a student can manage the finances while studying abroad in a much better way.
SETTING A BUDGET
It is always recommended making a budget for a one year's study and to get an idea of approximately how much money a student needs for a comfortable living. When looking at the overall cost of studying in the USA, it is important to distinguish between fixed costs, fixed tuition fees to be paid to the college/university and the rent versus indirect costs like living expenses.
Once this has been figured out how much tuition fees and educational fees will cost, it is a good idea to make an annual budget for other non-fixed costs such as food, entertainment, books and supplies, transportation and other miscellaneous costs. Because there are strict limitations on off-campus employment for international students, when a student applies for a student visa, they will need to show proof that they have enough funds to cover all the cost of one year of study.
WAYS TO REDUCE EDUCATIONAL/TUITION COSTS
The tuition fees is obviously very expensive aspect of studying abroad, so if finances are a concern, there are few important things to consider before a student chooses the course or college/university.
BEST VALUES:
Every year U.S News and World Report, a magazine comes up with a list of what are called "Best Values: Great Schools at Great Prices" and the list includes schools that have strong academic reputation and are more affordable. The data also includes tuition costs and the amount of financial aid and scholarships that are disbursed annually.
ACCELERATED PROGRAMS:
Completing a four or five year bachelor's degree in three or four years can save a student thousands of dollars. Students can accelerate their programs by earning transfer credit or advanced standing for college-level studies completed in the home country (for example, through A-levels, International Baccalaureate, advanced placement exams or courses taken at local accredited post secondary institutions in the student's home country; if accepted by the institution in the USA) taking courses at a nearby community college if tuition fees is less and credits are transferable; attending classes during the summer if they are available or taking one additional course each term.
TWO-YEAR AND COMMUNITY COLLEGES:
Many students, international and American, save thousands of dollars in tuition by attending community colleges for their first two years and then transferring to four-year institution to complete their Bachelor's degree. There are many excellent community colleges and often they have strong transfer programs to competitive colleges and universities.
NON – FIXED COSTS: What's included and how to reduce these costs
Housing
After a student gets admission in a specific course, the college/university's housing office will contact the student with information on the availability of on-campus housing. In many cases, on-campus housing can be less expensive compared to that of off-campus housing and provides some benefits like proximity to campus, subsidized services such as computer labs, cafeteria services and lounges with television and/or other entertainment and also the opportunity to meet many other American and international students.
In some cases if on-campus housing is not available or is not desirable then a student may prefer to live off-campus. Depending on the type of housing a student needs and the location, the cost of off-campus housing can vary considerably. In general, housing in large urban areas and on the West and the East coasts is the most expensive. In addition to rent, a student should also budget for furniture and other household essentials because most rentals in the USA are not furnished. In addition to monthly rental fees, in many cases a student must also need to budget for utility costs which may include gas, electricity, water, garbage services, cable TV and/or internet services and in some urban areas parking too. These additional costs can be from $50 - $200 USD a month excluding the housing rent/costs.
Saving tips: It is always a better idea to share the house with roommate(s) to split the cost of rent and other bills. Buying furniture used and look for garage sales and checking the campus bulletin boards for sales.
Transportation
Depending on the student decision to live, the transportation costs will depend. If a student thinks of own transportation like using a car while at college/university then the student must need to budget for operating expenses such as fuel, parking fees and routine maintenance that will be incurred. In some institution campuses, the parking cost can be around $ 100 USD approximately every month.
If a student wants to save money, they can look into public transportation, it is often economical than having a car, particularly in urban areas it can be very convenient. The other alternatives like walking, cycling are good options to consider if a student lives near the campus. Finally, students also need to budget for airfares during their visit to homes on holidays and other academic breaks.
Saving tips: Many universities offer a free or low-cost shuttle bus service both on-campus and the areas surrounding the college/university. In addition, a student can check if their institution provides any discounted public transportation passes. If any student planning to drive or buy a car, it is always better looking at purchasing a fuel-efficient used car, and see the possibility of carpooling (Sharing rides) with other students so that they can share the costs of fuel/car.
Health Insurance
Most of the USA colleges/universities require their students show proof of health insurance coverage and this is quite expensive and is something to be sure to include in the budget. Many institutions offer their own health insurance plans for their students which is often subsidized and cost them very less than it would normally be if the students purchase themselves. The students can also budget other things like vitamin supplements, general medicines (for ill, body pains etc) and a gym membership so that they can have a regular exercise and relieve the stress of being a student.
Saving tips: Many colleges/universities have on-campus health clinics offering health services at a very low cost. They may also offer classes in stress reduction or other health-related areas that the student can take advantage. If there is no health clinic on campus students have to look for other community clinics off-campus that offers low cost health services. Always it is better to check with the doctor and make sure that they accept the student health insurance. If the student like to join a gym, see if there is any inside the campus and/or if any local gyms have student discounted rates available.
Food
For most of the undergraduates, the college/university may offer a "meal plan" that allows a student to eat their meals on campus in cafeterias or restaurants for a monthly fee. The food may not be as delicious as home cooking, but it is convenient for students and usually offers many choices and it is often a good deal financially.
Saving tips: If a student lives off-campus then they can use generic products instead of name brands, clip coupons and pack a lunch rather than eating out. Many restaurants in college/university offers discount to students.
Entertainment and Extra-curricular Activities
A big part of the experience of living and studying abroad is what every student thinks in their mind. A part from these things there are also other things to consider and budget for extra-curricular activities such as movies, sporting events, concerts, short trips to visit monuments, museums and other places/activities.
Saving tips: A student activity fee may entitle to attend concerts, lectures, movies and sporting events at a discount. The student can take advantage of these on-campus events. Also the student can check to see if museums and other places offer any special student discount rates. The students can check on signing for a subscription at a local theatre whether they are entitled for any free/low priced tickets for events. They can also volunteer and serve as an usher at the opera or symphony and then can attend it for free.
Textbooks and School Supplies
The student should budget for books and supplies (including notebooks, paper, pens, etc) as these items can add up quickly. In some colleges/universities the students may also be required to purchase a laptop/computer or specific types of software for their courses. Sometimes the colleges/universities offer a special discounted price for the students where the students can check with their department to get an estimate of these costs.
Saving tips: The best way to keep textbook costs low is to buy used ones or loan/rent them from the college/university library. Most campuses have stores near campus that sell used books and the students can check campus bulletin boards for ads offering texts for sale. The students must ensure that the edition of the book they are looking to buy matches the one that is required for the course.
Miscellaneous
The next thing that needs to be included in the budget is the fees required to apply the student visa; check the U.S consulate website for the fees list of the respective country. In addition, it is a good idea to budget for items such as a mobile phones, clothing (especially if the student is moving to an area where the climate is different from their home environment/climate) and even a small general emergency fund. In some graduate fields, the student may also include funds to attend any research conferences and pay membership association fees.
BEWARE OF Credit Cards:
Credit card companies know where and how to find good customers at colleges and universities. The students may likely receive many offers from credit card companies in the mail and even while walking around the campus. Even if the student has some intentions, a credit card can ruin the most carefully planned budget. If a student want to get a credit card, it is always better to find one with a low interest rate, pay off the full balance on time each month and plan to use the card only when needed desperately.
Hidden Fees:
Many banks and credit card companies charge fees for ordering new cheques, or for bouncing a cheque, sending the payment a couple of days late and for using an unaffiliated ATM. Another example is cell phone companies may charge for going over the given plans and the billing period.
Parking Tickets:
Many students struggle with parking tickets. Parking can be difficult on many campuses and students sometimes forget to feed the parking meter or check the posted parking signs. These tickets can range from $25 - $300 USD approximately. The best mode of transport for the students is riding a bicycle or going for the college/university transport (if provided) or use the public transport.
WAYS TO PAY FOR STUDY ABROAD
Applying for Student Scholarships and Loans
The Scholarships and grants are the most desirable way to pay for the education and one (student) should plan ahead and apply for as many scholarships as possible. A student should begin looking into this at least a year in advance, as many scholarship deadlines require that a student should apply early. In addition, if money is a concern, then the student should look into applying to those colleges and universities that offer scholarships and awards to international students at the undergraduate level, only a handful of well-endowed colleges/universities in the USA are able to meet the financial need of all the students they admit and admission to these colleges/universities are usually very competitive. Financial aid in the form of scholarships is more often available at the graduate level, but the amount of support varies and in some professional graduate programs, such as law, business management (MBA) and journalism etc a very little aid is available to support students.
Most types of scholarships for international students are highly competitive and require excellent academic records. The terms "scholarships" and "financial aid" are used interchangeably, but technically speaking a scholarship is a financial award based on merit, including outstanding academic performance, special talent in sports, performing arts or perhaps community service and leadership. Financial aid is a "need – based" grant based on the student's financial need as documented by family income, assets and other factors.
Once a student is offered admission in a particular course, they have to be sure to contact the department head and enquire about institutional awards and possible assistantships or part-time jobs on campus. (An assistantship usually involves 10 – 20 hours a week of work as a teaching assistant in a classroom or lab, or doing research. This position often includes a tuition waiver and in some cases an hourly wage). Some departments may also have listings of private and outside non-profit organizations that offer scholarships to students in the same field of study. The students should also research on possible funding from the country's local government, corporate or foundation sectors. Fulbright grants are another way to pay for a graduate level studies in USA; deadlines are usually in May and the student would need to apply at least one year in advance before the beginning of their course program. For more information please visit the United States India Educational Foundation (USIEF) website or log on to http://www.usief.org.in/
After the funds of the students are exhausted that do not need to be repaid, then they may want to consider student loans to cover the remaining costs. A word to wise though: before taking a loan, make sure that the students are aware about the modes of the repayment method and how a loan will affect their plans for graduate and other further studies and for returning home. The international students are not eligible for low interest rate loans sponsored by the U.S federal government, but there are a number of banks that offer loans to non U.S residents provided that they have a guarantees/co-signer who are U.S citizens or permanent residents. Also there are number of different loan options from India too.
Employment
As per the current immigration regulations in USA, the international students are permitted to work on campus up to 20 hours a week during the academic year and up to 40 hours a week during the summer vacation/holidays. By working 10 to 15 hours a week, the students can earn enough to pay for their regular expenses. The jobs are not guaranteed until the student arrives in USA and this future income cannot be used to prove the financial ability when they apply for a student visa.
Campus jobs may include working at the university's cafeteria or restaurants, bookstore, library or health club or within the university's administrative offices. After one year, the student can apply for employment as a resident assistant (RA) in a university dormitory. The RA's are the first point of contact for other international students who needs assistance or who have queries regarding their dorm life. In return, these RAs receive free accommodation and sometimes a small pay/salary and/or meal plan.
Under current regulations, after the first year of study, the students can meet with their international student advisors on campus and may apply for authorization to work off-campus in the related field of study (again for up to 20 hours a week during the academic year, and up to 40 hours a week in holidays/summer vacation). If the student is in extreme financial hardship, then the student is permitted to apply for any off-campus employment authorization irrespective/unrelated of their course. However, there is no guarantee that these requests will be granted. If any of the students are married and are on an F-1 visa, their spouse does not have any permission to work. As there are many regulations on employment, they should always check with their respective international student advisor before considering any form of off-campus employment.
Here are the details of specific costs involved.
1. Application Costs
A study abroad plan for a student starts with the application process. If a student plans to apply to four or five different colleges/universities, then the student should consider the costs like: application fees, international courier charges, documentation fees and miscellaneous expenditure like stationary etc.
In USA, the application fees may range between $25 - $ 100 USD per institution with most of them ranges between $ 50 - $75 USD. Very few institutions will process applications without this fee and it must be paid be once a decision has been made on the application.
2. Standardized Tests
In most cases, students have to take one or more standardized tests such as TOEFL/GRE/GMAT/SAT/IELTS as a prerequisite for admission. Test registration fees range from $165 - $ 250 USD each, without including the possible extra score reporting fees (if students does not know which college/university they plan to send the scores at the time of registration). If a student wants to send additional score reports after taking the tests, these fees may range from $10 - $28 USD per institution. In addition, if a student plans to take any test preparation course/coaching, then there might be the coaching fees as well.
3. Tuition Fees
Please note that all the costs indicated are approximate and may vary depending on the courses and universities. Also please note that the tuition costs can increase from one year to another; the average increase may be around 5 – 10% per annum.
4. Living Expenses
The cost of food may cost at an average of $300 USD per month approximately. The other incidental expenditures like rent, utilities, entertainment, transportation and other expenses, the average may be around $800 - $ 1,500 per month for a single student depending on the location and the style of accommodation. (Some urban areas like Boston, New York City and San Francisco etc are more expensive than others). If a dependent like spouse or children are accompanied by the student then the amount may increase approximately around $ 500 for each dependent. (Note: Dependents are not authorized or allowed to accept employment in USA).
5. Health Insurance
Health insurance is mandatory for all international students who plan to study abroad in USA. Depending upon the company and policy taken, the cost of insurance for a student may be approximately from Rs.30,000/- to Rs.75,000/- per annum.
6. Books and Supplies
The cost of books and supplies can be anywhere between $ 400 - $ 1,200 USD per annum depending upon the course and field of study. For some programs, students are required to purchase a laptop, computer and also softwares.
7. Other Costs
A student Visa application fees (presently approximately Rs.6.580/-), airfare and other miscellaneous expenditure like a security deposit for a room/house/apartment rented, basic necessities etc. are also to be considered while calculating the expenditure involved when studying abroad. A round trip air fare from India to USA can be approximately between Rs.50,000/- to Rs.1,00,000/- depending upon the time of travel in the year and also the airlines.
Chart of Average Educational Costs in USA (All amounts are indicated in $ USD):
| USA (PUBLIC) | ||
| TUITION FEES | LIVING EXPENSE | |
| Undergraduate | 10,000-30,000 US $/Year | 7,200-12,000 US $/Year |
| Graduate | 10,000-30,000 US $/Year | 7,200-12,000 US $/Year |
| USA (PRIVATE) | ||
| TUITION FEES | LIVING EXPENSE | |
| Undergraduate | 15,000-45,000 US $/Year | 8,000-12,000 US $/Year |
| Graduate | 15,000-45,000 US $/Year | 8,000-12,000 US $/Year |
FINANCIAL PLANNING
Students who study abroad often regard it as the experience of a lifetime. It is an exciting time where the student learns almost everything inside/outside the classroom. But, it can be very expensive, and it takes some advance planning. By creating a sensible budget and sticking with it a student can manage the finances while studying abroad in a much better way.
SETTING A BUDGET
It is always recommended making a budget for a one year's study and to get an idea of approximately how much money a student needs for a comfortable living. When looking at the overall cost of studying in the USA, it is important to distinguish between fixed costs, fixed tuition fees to be paid to the college/university and the rent versus indirect costs like living expenses.
Once this has been figured out how much tuition fees and educational fees will cost, it is a good idea to make an annual budget for other non-fixed costs such as food, entertainment, books and supplies, transportation and other miscellaneous costs. Because there are strict limitations on off-campus employment for international students, when a student applies for a student visa, they will need to show proof that they have enough funds to cover all the cost of one year of study.
WAYS TO REDUCE EDUCATIONAL/TUITION COSTS
The tuition fees is obviously very expensive aspect of studying abroad, so if finances are a concern, there are few important things to consider before a student chooses the course or college/university.
BEST VALUES:
Every year U.S News and World Report, a magazine comes up with a list of what are called "Best Values: Great Schools at Great Prices" and the list includes schools that have strong academic reputation and are more affordable. The data also includes tuition costs and the amount of financial aid and scholarships that are disbursed annually.
ACCELERATED PROGRAMS:
Completing a four or five year bachelor's degree in three or four years can save a student thousands of dollars. Students can accelerate their programs by earning transfer credit or advanced standing for college-level studies completed in the home country (for example, through A-levels, International Baccalaureate, advanced placement exams or courses taken at local accredited post secondary institutions in the student's home country; if accepted by the institution in the USA) taking courses at a nearby community college if tuition fees is less and credits are transferable; attending classes during the summer if they are available or taking one additional course each term.
TWO-YEAR AND COMMUNITY COLLEGES:
Many students, international and American, save thousands of dollars in tuition by attending community colleges for their first two years and then transferring to four-year institution to complete their Bachelor's degree. There are many excellent community colleges and often they have strong transfer programs to competitive colleges and universities.
NON – FIXED COSTS: What's included and how to reduce these costs
Housing
After a student gets admission in a specific course, the college/university's housing office will contact the student with information on the availability of on-campus housing. In many cases, on-campus housing can be less expensive compared to that of off-campus housing and provides some benefits like proximity to campus, subsidized services such as computer labs, cafeteria services and lounges with television and/or other entertainment and also the opportunity to meet many other American and international students.
In some cases if on-campus housing is not available or is not desirable then a student may prefer to live off-campus. Depending on the type of housing a student needs and the location, the cost of off-campus housing can vary considerably. In general, housing in large urban areas and on the West and the East coasts is the most expensive. In addition to rent, a student should also budget for furniture and other household essentials because most rentals in the USA are not furnished. In addition to monthly rental fees, in many cases a student must also need to budget for utility costs which may include gas, electricity, water, garbage services, cable TV and/or internet services and in some urban areas parking too. These additional costs can be from $50 - $200 USD a month excluding the housing rent/costs.
Saving tips: It is always a better idea to share the house with roommate(s) to split the cost of rent and other bills. Buying furniture used and look for garage sales and checking the campus bulletin boards for sales.
Transportation
Depending on the student decision to live, the transportation costs will depend. If a student thinks of own transportation like using a car while at college/university then the student must need to budget for operating expenses such as fuel, parking fees and routine maintenance that will be incurred. In some institution campuses, the parking cost can be around $ 100 USD approximately every month.
If a student wants to save money, they can look into public transportation, it is often economical than having a car, particularly in urban areas it can be very convenient. The other alternatives like walking, cycling are good options to consider if a student lives near the campus. Finally, students also need to budget for airfares during their visit to homes on holidays and other academic breaks.
Saving tips: Many universities offer a free or low-cost shuttle bus service both on-campus and the areas surrounding the college/university. In addition, a student can check if their institution provides any discounted public transportation passes. If any student planning to drive or buy a car, it is always better looking at purchasing a fuel-efficient used car, and see the possibility of carpooling (Sharing rides) with other students so that they can share the costs of fuel/car.
Health Insurance
Most of the USA colleges/universities require their students show proof of health insurance coverage and this is quite expensive and is something to be sure to include in the budget. Many institutions offer their own health insurance plans for their students which is often subsidized and cost them very less than it would normally be if the students purchase themselves. The students can also budget other things like vitamin supplements, general medicines (for ill, body pains etc) and a gym membership so that they can have a regular exercise and relieve the stress of being a student.
Saving tips: Many colleges/universities have on-campus health clinics offering health services at a very low cost. They may also offer classes in stress reduction or other health-related areas that the student can take advantage. If there is no health clinic on campus students have to look for other community clinics off-campus that offers low cost health services. Always it is better to check with the doctor and make sure that they accept the student health insurance. If the student like to join a gym, see if there is any inside the campus and/or if any local gyms have student discounted rates available.
Food
For most of the undergraduates, the college/university may offer a "meal plan" that allows a student to eat their meals on campus in cafeterias or restaurants for a monthly fee. The food may not be as delicious as home cooking, but it is convenient for students and usually offers many choices and it is often a good deal financially.
Saving tips: If a student lives off-campus then they can use generic products instead of name brands, clip coupons and pack a lunch rather than eating out. Many restaurants in college/university offers discount to students.
Entertainment and Extra-curricular Activities
A big part of the experience of living and studying abroad is what every student thinks in their mind. A part from these things there are also other things to consider and budget for extra-curricular activities such as movies, sporting events, concerts, short trips to visit monuments, museums and other places/activities.
Saving tips: A student activity fee may entitle to attend concerts, lectures, movies and sporting events at a discount. The student can take advantage of these on-campus events. Also the student can check to see if museums and other places offer any special student discount rates. The students can check on signing for a subscription at a local theatre whether they are entitled for any free/low priced tickets for events. They can also volunteer and serve as an usher at the opera or symphony and then can attend it for free.
Textbooks and School Supplies
The student should budget for books and supplies (including notebooks, paper, pens, etc) as these items can add up quickly. In some colleges/universities the students may also be required to purchase a laptop/computer or specific types of software for their courses. Sometimes the colleges/universities offer a special discounted price for the students where the students can check with their department to get an estimate of these costs.
Saving tips: The best way to keep textbook costs low is to buy used ones or loan/rent them from the college/university library. Most campuses have stores near campus that sell used books and the students can check campus bulletin boards for ads offering texts for sale. The students must ensure that the edition of the book they are looking to buy matches the one that is required for the course.
Miscellaneous
The next thing that needs to be included in the budget is the fees required to apply the student visa; check the U.S consulate website for the fees list of the respective country. In addition, it is a good idea to budget for items such as a mobile phones, clothing (especially if the student is moving to an area where the climate is different from their home environment/climate) and even a small general emergency fund. In some graduate fields, the student may also include funds to attend any research conferences and pay membership association fees.
BEWARE OF Credit Cards:
Credit card companies know where and how to find good customers at colleges and universities. The students may likely receive many offers from credit card companies in the mail and even while walking around the campus. Even if the student has some intentions, a credit card can ruin the most carefully planned budget. If a student want to get a credit card, it is always better to find one with a low interest rate, pay off the full balance on time each month and plan to use the card only when needed desperately.
Hidden Fees:
Many banks and credit card companies charge fees for ordering new cheques, or for bouncing a cheque, sending the payment a couple of days late and for using an unaffiliated ATM. Another example is cell phone companies may charge for going over the given plans and the billing period.
Parking Tickets:
Many students struggle with parking tickets. Parking can be difficult on many campuses and students sometimes forget to feed the parking meter or check the posted parking signs. These tickets can range from $25 - $300 USD approximately. The best mode of transport for the students is riding a bicycle or going for the college/university transport (if provided) or use the public transport.
WAYS TO PAY FOR STUDY ABROAD
Applying for Student Scholarships and Loans
The Scholarships and grants are the most desirable way to pay for the education and one (student) should plan ahead and apply for as many scholarships as possible. A student should begin looking into this at least a year in advance, as many scholarship deadlines require that a student should apply early. In addition, if money is a concern, then the student should look into applying to those colleges and universities that offer scholarships and awards to international students at the undergraduate level, only a handful of well-endowed colleges/universities in the USA are able to meet the financial need of all the students they admit and admission to these colleges/universities are usually very competitive. Financial aid in the form of scholarships is more often available at the graduate level, but the amount of support varies and in some professional graduate programs, such as law, business management (MBA) and journalism etc a very little aid is available to support students.
Most types of scholarships for international students are highly competitive and require excellent academic records. The terms "scholarships" and "financial aid" are used interchangeably, but technically speaking a scholarship is a financial award based on merit, including outstanding academic performance, special talent in sports, performing arts or perhaps community service and leadership. Financial aid is a "need – based" grant based on the student's financial need as documented by family income, assets and other factors.
Once a student is offered admission in a particular course, they have to be sure to contact the department head and enquire about institutional awards and possible assistantships or part-time jobs on campus. (An assistantship usually involves 10 – 20 hours a week of work as a teaching assistant in a classroom or lab, or doing research. This position often includes a tuition waiver and in some cases an hourly wage). Some departments may also have listings of private and outside non-profit organizations that offer scholarships to students in the same field of study. The students should also research on possible funding from the country's local government, corporate or foundation sectors. Fulbright grants are another way to pay for a graduate level studies in USA; deadlines are usually in May and the student would need to apply at least one year in advance before the beginning of their course program. For more information please visit the United States India Educational Foundation (USIEF) website or log on to http://www.usief.org.in/
After the funds of the students are exhausted that do not need to be repaid, then they may want to consider student loans to cover the remaining costs. A word to wise though: before taking a loan, make sure that the students are aware about the modes of the repayment method and how a loan will affect their plans for graduate and other further studies and for returning home. The international students are not eligible for low interest rate loans sponsored by the U.S federal government, but there are a number of banks that offer loans to non U.S residents provided that they have a guarantees/co-signer who are U.S citizens or permanent residents. Also there are number of different loan options from India too.
Employment
As per the current immigration regulations in USA, the international students are permitted to work on campus up to 20 hours a week during the academic year and up to 40 hours a week during the summer vacation/holidays. By working 10 to 15 hours a week, the students can earn enough to pay for their regular expenses. The jobs are not guaranteed until the student arrives in USA and this future income cannot be used to prove the financial ability when they apply for a student visa.
Campus jobs may include working at the university's cafeteria or restaurants, bookstore, library or health club or within the university's administrative offices. After one year, the student can apply for employment as a resident assistant (RA) in a university dormitory. The RA's are the first point of contact for other international students who needs assistance or who have queries regarding their dorm life. In return, these RAs receive free accommodation and sometimes a small pay/salary and/or meal plan.
Under current regulations, after the first year of study, the students can meet with their international student advisors on campus and may apply for authorization to work off-campus in the related field of study (again for up to 20 hours a week during the academic year, and up to 40 hours a week in holidays/summer vacation). If the student is in extreme financial hardship, then the student is permitted to apply for any off-campus employment authorization irrespective/unrelated of their course. However, there is no guarantee that these requests will be granted. If any of the students are married and are on an F-1 visa, their spouse does not have any permission to work. As there are many regulations on employment, they should always check with their respective international student advisor before considering any form of off-campus employment.
Please note that this is a general guide of what is required for most college/university applications. This gives the information in detail and an application documents checklist is also included at the end.
- COLLEGE/UNIVERSITY APPLICATION FORM
A duly filled and signed application where in some cases; the student may have to submit more than one application form. For example, if a student needs scholarship/assistantship then they have to submit a general application as well as the scholarship/assistantship application and a department application. - ACADEMIC REPORTS/TRANSCRIPTS
1. For Undergraduate Programs: The students are required to submit a secondary school report and report cards of their final exams. These should be filled by a school official and should provide ranking in the class. These reports should give the information about the student's accomplishments and provide a prediction of ones chances for success in the university level studies. If possible, it is always better that a school includes a guide to the grading standards used in the educational system. If a school ranks their students by their level of academic achievement, make sure that the ranking is included with the other details. Also send the school/junior college leaving certificates as and when it is available. If the transcripts are in a language other than English, then it must be translated to English only by the issuing authority otherwise the application may not be acceptable or may get rejected.
2. For Graduate Level Programs: Students are required to submit an official transcript from each college/university that they have attended after their secondary school with complete details of the subjects/credits involved in each year. Most universities ask for the transcripts to be sealed in an envelope signed and attested across the seal by the registrar. This process should be done for each and every college that the student has attended. Some universities may ask for more than one copy of the transcript. If the transcripts are in a language other than English, they must be translated into English only by the issuing authority or university. - STATEMENT OF PURPOSE
This is usually a one-page statement in which the student has an opportunity to introduce himself to the admissions committee and tell them about the goals personally and professionally and what would make that student a valuable addition to their campus community. The statement should contain information about the student's educational objectives, career goals and the reasons for wanting to study in USA and in particular college/university to which the student is submitting the application. This is a good time to show evidence of the student's desire to attend a specific course and the student should take this opportunity to specifically mentioning what it is about the program (for example – specific courses, faculty members, opportunities for research) that is appealing to apply to that particular college/university. - RECOMMENDATION LETTERS
At least two or three recommendation letters from their respective lecturers/professors who knows the student academically. If a student applying for any MBA or management program, these programs often prefer recommendation letters from former supervisors who can speak about their (student's) professional accomplishments. These recommendations must be written in English on letterhead paper and must be signed and sealed in an envelope and should be sent directly to the colleges/universities. It is always recommended for a student to prepare their recommenders by giving them some information about the specific programs to which the student is applying and the reasons for wanting to attend so that they may get an idea and they may write a stronger supporting letter for that student. - BANK STATEMENT
A financial statement or a bank statement is required, which indicates the availability of funds that a student (or student's sponsor) has available to pay as a tuition fees and for living expenses while studying abroad. These funds must be accessible for the purpose of a student's further education.
An official letter should come from a bank employee on the bank's letterhead with a seal and should clearly indicate the amount of funds available both in the student's native currency and in USA dollars.
To each and every university that a student applies, they need to enclose an original bank statement showing adequate funds to cover at least a year's tuition fees and living expenses. Instead of getting multiple originals, which may not be practically possible, the student may get the first statement photocopied (before signatures are made by the banker) and then signed and sealed by the bank manager individually. Some universities need the financial statement filled in the application itself. If it is indicated as mandatory, the student needs to get that form appropriately filled by the bank official. Ideally, one should indicate availability of funds for the entire duration of the program, but if this is not possible, then the student should show evidence of funding for at least one year covering tuition fees, living expenses and other fees.
Hence, before requesting a statement, it is a good idea to calculate what would be the maximum annual budget from among the universities that a student is willing to apply and to take the highest amount and arrange for bank statements accordingly. This will eliminate the need to request a new statement for every application. - AFFADAVIT OF SUPPORT – (AOS)
Some colleges/universities may also require an AOS in addition to the bank statement. An AOS is a statement to be given by the sponsor (the person who sponsors the student education.)
This has to be given on a Rs.100/- non-judicial stamp paper, in a prescribed format. Sometimes, the universities have their own forms and in this case, the form would need to be signed by the sponsor, properly witnesses and attested by a notary public. To each and every university that a student applies, they need to enclose an original AOS. Instead of getting multiple stamp papers and doing an AOS, they may get the first statement photocopied (before signatures are made by the sponsor) and then signed by the sponsor and notarized individually. - APPLICATION FEES
This can be submitted online by credit card, or by bank check in $ USD in the amount specified or required by the university. - STANDARDIZED TEST SCORE REPORT(S)
If a student has already taken TOEFL/IELTS AND/OR SAT/GRE/GMAT and is having the scores reported directly to the colleges/universities, then the student needs to enclose a copy of the score report for a quick reference. - RESUME
Some programs, for example MBA or management programs may also require by a student to submit a Resume or Curriculum Vitae (CV) to outline the student's professional experience and skills. - COVER LETTER
Although this is not required, this is a good place to include any additional information about the student's application. For example, when a student plans to take the required standardized exams if already not taken, then this is also a good place to explain any deficiencies. Also, if a student is applying for a college/university that is not familiar with the Indian educational system, this can be a good place to explain about the specific undergraduate program and the grading system which is different than the USA educational system.
VISA APPLICATION PROCESS
One of the most important crucial aspects of preparing to study abroad is the process of obtaining a student visa. Students need to be sure to have a complete application filled and all of the required supporting documentation, and will need to present themselves confidently and effectively in the interview.
TYPES OF STUDENT AND EXCHANGE VISITOR VISAS
Hundreds of thousands of people from around the world come to USA each year to study. Many course programs hosted by a wide variety of institutions provide learning opportunities as multifaceted as America itself. There are different types of student visas for different types of study.
ACADEMIC STUDIES (F – VISA):This visa is for individuals who wish to study or research at an accredited USA college/university. In order to apply for an F-1 visa, an applicant must have received a Form I-20 from a U.S institution.
EXCHANGE VISITOR (J – VISA): Some academic activities may fall under the J visa Exchange visitor category. Examples include exchange scholars, post-doctoral researchers, recipients of short term academic research fellowships and medical residents. In order to apply for a J-1 visa, an applicant must have received a Form DS-2019 from the sponsoring organization or institution.
STUDENT VISA INTERVIEW APPOINTMENTS
All non-immigrant visa applicants are required to go to U.S. Embassy or Consulate office for a visa interview and to present documentation to demonstrate their economic and social ties in their country of origin. It is the responsibility of the candidate to prove that they can financially support themselves for the period of overseas study and that they have social and economic ties to India that are strong enough to bring them back promptly.
In India, there are offices in Bangalore, Chennai, Hyderabad, Kolkata, Mumbai and New Delhi. (Please note that the process differs somewhat at the US Embassy in Mumbai; please inquire at the office for specific requirements). It is important to make an appointment for a visa interview early, especially in the busy summer months when there can be a long wait for an appointment and for processing too. The appointment and more information can be found at https://www.vfs-usa.co.in
REQUIRED DOCUMENTS FOR THE STUDENT VISA APPLICATION
For Principal Applicant:
For Spouse/Dependent Children:
VISA FEES
Prior to confirming a Visa interview appointment online, one should pay the following fees and obtain a Visa Fee Receipt from HDFC Bank. When going to HDFC Bank, the first page of the passport must be carried.
The fees payable at HDFC Bank per passport are:
FINANCIAL DOCUMENTATION
Student visa applicants must have evidence of sufficient and readily available funds to meet all expenses for at least one year of study (listed on the I-20 or DS-2019 form) and that barring unforeseen circumstances adequate funds will be available for each subsequent years of study. Documentation must be original.
EVIDENCE OF ACADEMIC PREPARATION AND ENGLISH LANGUAGE PROFICIENCY
The student must have completed a course of study required for enrolment at the level of study contemplated and present transcripts of at least two years of academic work completed. External examinations like TOEFL, GRE, SAT and GMAT help to establish the seriousness of a student. In addition, the students must demonstrate during the visa interview that they have sufficient English language capability for the intended course of study in USA.
ISSUANCE AND TRAVEL REGULATIONS FOR RECIPIENTS OF STUDENT VISAS
Students applying for initial entry on an F visa may be issued up to 120 days before the course of the program start date as listed on their I-20. However, students may not enter USA more than 30 days in advance of the course start date indicated on the Form I-20. Applicants continuing on a student visa are not subject to this restriction.
These changes apply only to initial entry students. Continuing students may apply for new F visas at any time, as long as they have maintained legal student status previously and their SEVIS records are current, these students may also enter the USA at any time before their classes start.
J Visas may be processes at any time before the beginning of their programs. However, the visitor may not enter USA earlier than 30 days prior to the course start date indicated on the Form DS-2019. Applicants continuing on an exchange visitors program are not subjected to this restriction.
Below is a list of some sample visa interview questions that might give a student an idea to face the Visa interview:
SOME VISA QUESTIONS
1. Who is going to sponsor your education?
Answer: My Parents
2. Why this university?
Answer: After I graduated here, I wanted to pursue my masters. The curriculum of this university is quite impressive that is the main reason why I am so much inclined towards this university.
3. Do you have brothers and sisters in USA?
Answer: No
4. Are you happy with your scores?
Answer: Yes
5. When did you graduate?
Answer: Applicant should answer accordingly, to the interviewer.
6. What is your major?
Answer: Applicant should answer accordingly, to the interviewer.
7. Are you going to continue in the same major?
Answer: Yes, I even exchanged some emails with the professors in my course/branch. This is a good encouraging point for me to do my Masters in this university in USA.
8. What are your plans after your Masters?
Answer: I am sure the recent growth of Indian economy will open many avenues for me to start my own company. After acquainting with the latest technological skills in USA I look forward to start my company here.
9. Did you get in touch with any professors in this university?
Answer: Yes, I have exchanged some emails with Prof XXXX. With the area if his research and the interest I have in that particular subject I guess I can be a good research assistant under him.
10. Do you have any experience?
Answer: Applicant should answer accordingly, to the interviewer.
11. What's the difference you can make by doing your Masters' in USA?
Answer: Most of the universities in USA are going in parallel with the latest technologies. Educating myself in those technologies can give me a better picture to start up a new company of my own in the future.
12. What does your father do?
Answer: Applicant should answer accordingly, to the interviewer.
13. What is the average household income?
Answer: Most of our income comes from our properties and my father's salary is around 15 – 20 lakhs per annum.
14. How often do you want to visit your home country?
Answer: Applicant should answer accordingly, to the interviewer.
15. Do you get any kind of scholarships from this university?
Answer: Applicant should answer accordingly, to the interviewer.
16. What are the other universities did you applied?
Answer: I applied for XXXX, XXXX. When compared to those universities this university has the courses of my particular interest.
17. How many I-20s are you having?
Answer: Applicant should answer accordingly, to the interviewer. For example: (3).
One of the most important crucial aspects of preparing to study abroad is the process of obtaining a student visa. Students need to be sure to have a complete application filled and all of the required supporting documentation, and will need to present themselves confidently and effectively in the interview.
TYPES OF STUDENT AND EXCHANGE VISITOR VISAS
Hundreds of thousands of people from around the world come to USA each year to study. Many course programs hosted by a wide variety of institutions provide learning opportunities as multifaceted as America itself. There are different types of student visas for different types of study.
ACADEMIC STUDIES (F – VISA):This visa is for individuals who wish to study or research at an accredited USA college/university. In order to apply for an F-1 visa, an applicant must have received a Form I-20 from a U.S institution.
EXCHANGE VISITOR (J – VISA): Some academic activities may fall under the J visa Exchange visitor category. Examples include exchange scholars, post-doctoral researchers, recipients of short term academic research fellowships and medical residents. In order to apply for a J-1 visa, an applicant must have received a Form DS-2019 from the sponsoring organization or institution.
STUDENT VISA INTERVIEW APPOINTMENTS
All non-immigrant visa applicants are required to go to U.S. Embassy or Consulate office for a visa interview and to present documentation to demonstrate their economic and social ties in their country of origin. It is the responsibility of the candidate to prove that they can financially support themselves for the period of overseas study and that they have social and economic ties to India that are strong enough to bring them back promptly.
In India, there are offices in Bangalore, Chennai, Hyderabad, Kolkata, Mumbai and New Delhi. (Please note that the process differs somewhat at the US Embassy in Mumbai; please inquire at the office for specific requirements). It is important to make an appointment for a visa interview early, especially in the busy summer months when there can be a long wait for an appointment and for processing too. The appointment and more information can be found at https://www.vfs-usa.co.in
REQUIRED DOCUMENTS FOR THE STUDENT VISA APPLICATION
For Principal Applicant:
| 1 | Interview Appointment Letter |
| 2 | Valid Passport. The Passport should be valid for at least six months beyond the visa interview date |
| 3 | One photograph as per specification |
| 4 | Original signed Forms DS-156, DS-157 and DS-158. (Please note that a new form, Form DS-160, will eventually replace the above three forms. Please check this before filling out the forms) |
| 5 | Valid Bank Visa fee receipt |
| 6 | Original SEVIS generated Form I-20 or Form DS-2019, approved and signed by the University authority |
| 7 | Proof of payment/receipt of SEVIS Fee I-901 payment, if applicable (At present SEVIS I-901 fee is $200 USD) |
| 8 | Evidence of financial resources: proof of liquid assets sufficient to pay for the entire one year of education and living expenses as well as a proof of readily available funds to cover the remaining year(s) of studies. If a student is being funded by an organization (Indian or American), a letter from that organization explaining what funding will be provided |
| 9 | Original Degree Certificates along with mark sheets |
| 10 | Original Bachelors' Degree transcripts or high school diploma along with mark sheets from previous institutions attended |
| 11 | Relevant test score reports e.g. TOEFL and SAT, GRE, GMAT or LSAT |
| Note: If a student plan to engage in technology related study or research while in the USA a set of specific documents should be produced with the visa application. The application also may require additional administrative processing. For more information, please visithttp://newdelhi.usembassy.gov/hitechbs.html | |
For Spouse/Dependent Children:
| 1 | Valid Passport, Visa fee receipt issued by HDFC Bank and interview appointment letter |
| 2 | Original signed Forms DS-156, DS-157 and DS-158. (Please note that a new form, Form DS-160, will eventually replace the above three forms. Please check this before filling out the forms) |
| 3 | Original Form I-20 or Form DS-2019 approved and signed by the University authority |
| 4 | A copy of the Form I-20 or Form DS-2019 of the Principal Applicant |
| 5 | Photocopy of the Principal Applicant's valid Visa (if applying separately) |
| 6 | Original Marriage Certificate (for Spouse) along with the entire wedding photo album |
| 7 | Original Birth Certificate (for each child) |
| 8 | Additional documentation of financial resources to support the dependants |
VISA FEES
Prior to confirming a Visa interview appointment online, one should pay the following fees and obtain a Visa Fee Receipt from HDFC Bank. When going to HDFC Bank, the first page of the passport must be carried.
The fees payable at HDFC Bank per passport are:
- Visa Application Fee (MRV Fee): $ 140 USD payable in INR equivalent at exchange rate. Visa Application Fee at current exchange rate (Rs.47/-) is approximately Rs.6,580/-
- Service Charge: Rs.380/- which include VFS service charge Rs.359/- and Bank service charge Rs.21/- inclusive of service tax @ 10% and education cess tax @ 0.30% (effective 1st December 2010).
FINANCIAL DOCUMENTATION
Student visa applicants must have evidence of sufficient and readily available funds to meet all expenses for at least one year of study (listed on the I-20 or DS-2019 form) and that barring unforeseen circumstances adequate funds will be available for each subsequent years of study. Documentation must be original.
EVIDENCE OF ACADEMIC PREPARATION AND ENGLISH LANGUAGE PROFICIENCY
The student must have completed a course of study required for enrolment at the level of study contemplated and present transcripts of at least two years of academic work completed. External examinations like TOEFL, GRE, SAT and GMAT help to establish the seriousness of a student. In addition, the students must demonstrate during the visa interview that they have sufficient English language capability for the intended course of study in USA.
ISSUANCE AND TRAVEL REGULATIONS FOR RECIPIENTS OF STUDENT VISAS
Students applying for initial entry on an F visa may be issued up to 120 days before the course of the program start date as listed on their I-20. However, students may not enter USA more than 30 days in advance of the course start date indicated on the Form I-20. Applicants continuing on a student visa are not subject to this restriction.
These changes apply only to initial entry students. Continuing students may apply for new F visas at any time, as long as they have maintained legal student status previously and their SEVIS records are current, these students may also enter the USA at any time before their classes start.
J Visas may be processes at any time before the beginning of their programs. However, the visitor may not enter USA earlier than 30 days prior to the course start date indicated on the Form DS-2019. Applicants continuing on an exchange visitors program are not subjected to this restriction.
Below is a list of some sample visa interview questions that might give a student an idea to face the Visa interview:
SOME VISA QUESTIONS
1. Who is going to sponsor your education?
Answer: My Parents
2. Why this university?
Answer: After I graduated here, I wanted to pursue my masters. The curriculum of this university is quite impressive that is the main reason why I am so much inclined towards this university.
3. Do you have brothers and sisters in USA?
Answer: No
4. Are you happy with your scores?
Answer: Yes
5. When did you graduate?
Answer: Applicant should answer accordingly, to the interviewer.
6. What is your major?
Answer: Applicant should answer accordingly, to the interviewer.
7. Are you going to continue in the same major?
Answer: Yes, I even exchanged some emails with the professors in my course/branch. This is a good encouraging point for me to do my Masters in this university in USA.
8. What are your plans after your Masters?
Answer: I am sure the recent growth of Indian economy will open many avenues for me to start my own company. After acquainting with the latest technological skills in USA I look forward to start my company here.
9. Did you get in touch with any professors in this university?
Answer: Yes, I have exchanged some emails with Prof XXXX. With the area if his research and the interest I have in that particular subject I guess I can be a good research assistant under him.
10. Do you have any experience?
Answer: Applicant should answer accordingly, to the interviewer.
11. What's the difference you can make by doing your Masters' in USA?
Answer: Most of the universities in USA are going in parallel with the latest technologies. Educating myself in those technologies can give me a better picture to start up a new company of my own in the future.
12. What does your father do?
Answer: Applicant should answer accordingly, to the interviewer.
13. What is the average household income?
Answer: Most of our income comes from our properties and my father's salary is around 15 – 20 lakhs per annum.
14. How often do you want to visit your home country?
Answer: Applicant should answer accordingly, to the interviewer.
15. Do you get any kind of scholarships from this university?
Answer: Applicant should answer accordingly, to the interviewer.
16. What are the other universities did you applied?
Answer: I applied for XXXX, XXXX. When compared to those universities this university has the courses of my particular interest.
17. How many I-20s are you having?
Answer: Applicant should answer accordingly, to the interviewer. For example: (3).
