What it costs to study in the US: tuition, living and one-off fees
Tuition fees
| Level | Typical annual fee |
|---|---|
| Undergraduate | US$20,000 to US$55,000 |
| Postgraduate | US$20,000 to US$60,000 |
Public universities charge less for in-state students; internationals pay the out-of-state rate. Assistantships can waive most of it.
Living costs
| Monthly cost | Typical range |
|---|---|
| Accommodation | US$700 to US$1,800 (shared apartments are common) |
| Food and groceries | US$300 to US$500 |
| Transport | US$50 to US$150; many campuses run free shuttles |
| Utilities and phone | US$100 to US$200 |
| Health insurance | US$150 to US$300, usually compulsory through the university |
Total: US$1,300 to US$2,800 a month depending on the city.
One-off costs
| Item | Amount |
|---|---|
| Visa fee | US$185 visa fee plus US$350 SEVIS I-901 fee |
| Health cover | University health insurance, budgeted above |
| Flights | Return flights from South Asia or West Africa typically £500 to £900 or equivalent |
| Accommodation deposit | Usually one month's rent, refundable |
| Set-up costs | Bedding, kitchen items, winter clothing: budget the equivalent of £200 to £300 |
Build your own budget
Enter your own figures. This adds them up; it does not know your course.
Where students save
- Choose a city outside the capital: the difference is often 20 to 40 percent on rent.
- Book accommodation with bills included before you arrive.
- Apply early for automatic merit scholarships; see the scholarship guide.
- Plan part-time work at 12 to 15 hours a week, not the maximum.
Figures are indicative for the 2026/27 cycle, change with exchange rates and policy, and should be confirmed with the university or the relevant government before you decide.
Get this checked for your case
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Talk to a counsellorRelated questions
Do I need GRE or GMAT for a US master's?
Fewer programmes require them every year. Many computer science, engineering and business master's are now test-optional. We keep a list of which of our partner programmes still ask.
How much does it really cost to study in the US?
Budget US$35,000 to US$70,000 a year all-in before aid at a private or out-of-state public university. With an assistantship or a strong merit award the real cost can be a third of that. The I-20 figure is the number the visa officer will check.
Can I work while studying in the US?
On campus, yes, up to 20 hours a week. Off campus only through CPT (during the degree) or OPT (after it), both authorised by your university. Unauthorised work risks your visa.