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Study in the USA: Costs, Universities, Life & Funding Options
Explore options on top universities, tuition costs, no-collateral loans, visa guidance and much more only for Indian students to get started on their dream to study in the USA.
Top Universities
Living Cost
Avg Tuition
No Collateral Loans
Why USA is the Top Study Destination for Indian Students
The USA hosts over 330,000 Indian students, more than any other country, because of its world-renowned universities, innovative education system and a thriving job market.
Students can explore different subjects, participate in cutting-edge research projects and gain practical experience through internships with leading companies. There are excellent career opportunities for professional growth in dynamic industries. With supportive Indian communities in major cities and access to global career networks, the USA offers both exceptional education and promising career prospects for ambitious students.
Quick Facts
- Indians represent 30% of all international students in the USA.
- 60% of Indian students pursue graduate degrees, mostly STEM.
- Indian students contribute $10+ billion to the US economy annually.
- Nearly 100,000 Indian students currently work through OPT
Post-Study Work Visa & Job Opportunities
Optional Practical Training (OPT)
Regular OPT
12 months of work authorization after graduation
Available to all international students on an F-1 visa
STEM OPT Extension
Additional 24 months extension (total 36 months of OPT )
Available if you’re graduating from a STEM-designated program
Great for Computer Science, Engineering, Data Science, and more
Curricular Practical Training (CPT)
Lets you gain work experience during your degree
Can be full-time or part-time depending on university rules
Important 2025 Update (Effective May 27)
A 60-day grace period is now allowed after OPT ends
Accurate job reporting is now strictly enforced — students must report employment status to avoid SEVIS termination
Average Starting Salaries
- Computer Science$85,000/year
- Engineering$80,000/year
- Business/MBA $120,000/year
- Data Science$95,000/year
Cost of Studying & Living in the USA
Tuition FeesVaries by university type & program$28,000 - $90,000/year
AccommodationOn-campus or off-campus housing$12,000 - $24,000/year
Living ExpensesFood, transport & personal expenses$12,000 - $24,000/year
Estimated Total Costs
Public Universities
- Tuition & Fees:$28,000 - $35,000
- Accommodation: $12,000 - $17,000
- Living Expenses: $12,000 - $18,000
- Annual Total: $52,000 - $70,000
Private Universities
- Tuition & Fees:$38,000 - $90,000
- Accommodation:$15,000 - $24,000
- Living Expenses:$16,000 - $24,000
- Annual Total:$69,000 - $138,000
Life & Culture in the USA
Campus Life & Internships
American universities offer vibrant campus experiences with 400+ student organizations, sororities, and year-round activities. Internships not only provide practical experience but also increase your employability. Many Indian students find that internships often lead to full-time job offers.
Indian Communities
Areas like Jackson Heights in New York, Devon Avenue in Chicago and Little India in Artesia, California offer authentic Indian groceries, restaurants, and cultural centers. Most universities have active Indian Student Associations organizing Diwali celebrations, cricket tournaments, and networking events with 500+ members.
Food & Lifestyle
Indian grocery stores like Patel Brothers, Apna Bazaar are everywhere in student areas. Campus dining halls increasingly offer Indian vegetarian options, and cities like Boston and Seattle have amazing Indian food scenes. Weekend farmer's markets, food trucks, and international festivals keep life exciting while apps like Instacart deliver Indian groceries to your doorstep.
Cities to Live In
Living costs include accommodation, food, utilities, and transportation with cities like Austin, Raleigh, and Atlanta offering great university towns at 30-40% lower costs than New York or San Francisco. These cities also have growing tech scenes and strong Indian professional networks.
Transportation
Students can use MUNI Pass, Metro card, ORCA card, and passes to reduce their travel expenses in the USA. Monthly passes cost $50-120, and ride-sharing apps like Uber/Lyft are widely available. Many students also buy used cars for $5,000-8,000, which is often cheaper than public transport for longer stays.
Education Loan Options for USA
Loan Types Available
INR Loans (Indian Lenders)
- Interest rates start from 8.25%* p.a.
- Max loan: Up to ₹1.5 crore
- Some require collateral
- Co-borrower usually required
USD Loans (Global Lenders)
- Interest rates start from 3.39%* p.a.
- Maximum Loan amount: 100% of Education Cost
- No collateral required
- Some require US Co-borrower
How Lorien Helps
- Free loan eligibility check across 17+ lenders
- Higher approval rates through lender matching
- No-collateral loan options
- End-to-end application support
- Faster processing times
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New Delhi 110030
Mumbai- C20, G-Block BKC, Bandra East, Mumbai,
Maharashtra 400051
Nashik- 138, Vitthal Bungalow, Madhu Vijay Colony,
Nashik 422005
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