Study in USA

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Living in USA

This comprehensive guide covers everything from banking and transportation to accommodation and lifestyle in the United States.

Accommodation in USA

Housing

One of your first jobs after arriving in the United States will be to find a place to live. This section provides you with a few tips to make your search a happy one.

Temporary Accommodations

When you first arrive on campus you will need a place to live while you look for permanent accommodations. Many schools will provide temporary housing for international students who arrive before the semester begins. Ask the foreign student advisor or housing office for information about temporary housing.

Another option if you know a student at the school is to ask them to let you stay with them for a few days. New graduate students can often find someone in their department with room for a temporary guest. You may have to sleep on a couch, but at least you will have a roof over your head.

Most major cities have a Council for International Visitors or similar organization to help incoming international visitors. They can often arrange for you to stay with a local family for a few days, but such arrangements must be made in advance.

Permanent Accommodations

The available options include renting an apartment, renting a house, or buying a house. Most international students cannot afford to buy a house, so we will not discuss this option.

Most university students in the US live on or near campus. Students who live off-campus generally find a place less than a mile or two away. Not only is this convenient for getting to and from campus, but much of the social life occurs on campus.

If the school offers on-campus accommodations for international students, you should seriously consider living on-campus, at least for the first year. Since this is probably your first trip to the United States and your first time living alone, on-campus housing will help soften the transition to life in the United States.

Finding an Apartment

Some schools provide on-campus housing for international students. Most, however, do not. If your college provides on-campus housing for international students, we strongly recommend taking advantage of it, even though the rent may be higher than an off-campus apartment.

Most schools have an off-campus housing office to help students find an apartment. The housing office will have listings of available apartments and information about the neighborhoods near campus.

Understanding Apartment Listings

Rental costs depend primarily on the size, condition, and location of the apartment, and whether utilities are included. Larger apartments and apartments which are closer to the school or shopping will cost more.

The different sizes are defined as follows:

  • Sleeping Room: A single room, usually furnished, located in a private home, with a shared bedroom and kitchen. This is the least expensive option, but provides little privacy.
  • Efficiency: A single room with a private bathroom. The room will include a small space that serves as a kitchen.
  • Studio: Somewhat larger than an efficiency, and has a separate kitchen and eating area.
  • One, Two, or Three Bedroom: Regular apartments include a separate kitchen, bathroom, living room and/or dining room, and the number of bedrooms advertised.

Leases

A lease is a written contract between the tenant (you) and a landlord which allows you to use a dwelling for a specific period of time in exchange for monthly rent payments. The lease outlines the restrictions on the use of the dwelling and the responsibilities of tenant and landlord.

The lease should specify at least the following:

  • The amount of the monthly rent and when it should be paid
  • Whether utilities are included in the rent, and if so which ones
  • The time period covered by the lease, usually one year
  • Restrictions on the number of unrelated people who may occupy the dwelling
  • The amount of the security deposit

American Holidays

The American calendar is filled with numerous holidays. The following table shows some of the more popular holidays. Important national holidays have been indicated in bold face. Most non-essential government offices will be closed on these days.

HolidayDate
New Year's DayJanuary 1
Martin Luther King, Jr. DayThird Monday in January
Ground Hog DayFebruary 2
Valentine's DayFebruary 14
President's DayThird Monday in February
St. Patrick's DayMarch 17
April Fool's DayApril 1
Patriots DayThird Monday in April
Good FridaySecond Sunday in May
Mother's DaySecond Sunday in May
Memorial DayLast Monday in May
Flag DayJune 14
Father's DayThird Sunday in June
Independence DayJuly 4
Labor DayFirst Monday in September
Columbus DaySecond Monday in October
HalloweenOctober 31
Election DayTuesday after first Monday in November
Veterans DayNovember 11
ThanksgivingFourth Thursday in November
Christmas DayDecember 25

Travel in USA

Public Transport

Major US cities have public transportation systems including subways, buses and light rail. However, outside major urban areas, public transport is limited and most students rely on private vehicles.

By Air

The US has an extensive domestic air network with major carriers like American, Delta, United, and Southwest. Student discounts may be available on economy fares.

Travel Opportunities

The US offers diverse landscapes to explore during breaks, from national parks to beaches to major cities. Many universities have travel desks to help plan trips.

Customs & Immigration in USA

When you arrive in the US, you will have to go through Customs and Immigration. They will ask you questions about your reason for visiting the US. Your answer should be "Student". Keep your answers simple and direct.

You may be asked whether you are bringing any food. Do not bring any perishable foodstuffs like fruit, vegetables or meat. If you bring more than $10,000 in any currency, you must declare it.

Map of the United States

The United States consists of 50 states and several territories. Below is a list of all states with their abbreviations:

AK - AlaskaAL - AlabamaAZ - ArizonaAR - Arkansas
CA - CaliforniaCO - ColoradoCT - ConnecticutDE - Delaware
FL - FloridaGA - GeorgiaHI - HawaiiID - Idaho
IL - IllinoisIN - IndianaIA - IowaKS - Kansas
KY - KentuckyLA - LouisianaME - MaineMD - Maryland
MA - MassachusettsMI - MichiganMN - MinnesotaMS - Mississippi
MO - MissouriMT - MontanaNE - NebraskaNV - Nevada
NH - New HampshireNJ - New JerseyNM - New MexicoNY - New York
NC - North CarolinaND - North DakotaOH - OhioOK - Oklahoma
OR - OregonPA - PennsylvaniaRI - Rhode IslandSC - South Carolina
SD - South DakotaTN - TennesseeTX - TexasUT - Utah
VT - VermontVA - VirginiaWA - WashingtonWV - West Virginia
WI - WisconsinWY - WyomingDC - District of Columbia

Lifestyle in USA

Social Customs

Americans tend to be more informal than people from other countries. It's common to wear casual clothing to school and use first names with professors. However, politeness is always appropriate.

Tipping

Restaurants do not include service charges, so tip waiters 15-20% of the total bill. Taxi drivers expect 15% of the fare.

Dining

Most Americans eat three meals: breakfast (7-8am), lunch (11am-noon), and dinner (6-8pm). Sunday brunch combines breakfast and lunch around 11am.

Time & Temperature

The US uses Fahrenheit for temperature. To convert to Celsius: subtract 32 and multiply by 5/9. The US has four main time zones: Pacific, Mountain, Central, and Eastern.

Money & Banking in USA

US Monetary System

The US Monetary System is a decimal system, with one dollar equal to one hundred cents. One dollar is written as $1 or $1.00. One cent is written as 1¢. One dollar and twenty-five cents would be written as $1.25.

CoinValue (Cents)Value (Dollars)
Penny1 cent0.01 dollars
Nickel5 cents0.05 dollars
Dime10 cents0.10 dollars
Quarter25 cents0.25 dollars
Half Dollar50 cents0.50 dollars
Dollar100 cents1.00 dollars

Paper currency is most often circulated in the following denominations: $1, $5, $10, $20, $50, and $100. Occasionally you will encounter a $2 bill.

Checking Account

You will need a checking account to pay bills, such as rent and utilities. It is not safe to send cash through the mail. It also is not safe to carry large amounts of cash on your person, so you should pay for most of your purchases using a check or credit card.

To open a checking account, visit a bank and ask to open a checking account. You will need to deposit money into the account when you open it. You can deposit cash or traveler's checks, or arrange for a wire transfer from your home bank.

Credit Cards

Credit cards are such an ingrained part of the American way of life that you will have trouble making certain purchases with anything other than a credit card. If you want to place an order by phone, cash a check, rent a car, or buy airline tickets, you need to have a credit card.

The major credit cards in the US are Visa, MasterCard, and American Express. Visa and MasterCard are offered by many banks and financial institutions. American Express is offered by only one financial institution, but are accepted by many businesses.

Traveler's Checks

Traveler's Checks are one of the safest ways to transport money. If the traveler's checks are lost or stolen, you can easily get them replaced. Do not countersign the checks until you are ready to use them.

If you bring traveler's checks with you to the US, you should bring traveler's checks that are denominated in US funds. Most businesses will accept US-denominated traveler's checks.

Health Care in USA

Unlike other countries, The United States does not provide socialized medicine. Because medical care can be very expensive, it is important to have health insurance, even if the school does not require it.

Medical Emergencies

If you need an ambulance or emergency medical care, dial 911 on any phone 24 hours a day. You can also dial 0 to reach the operator. They will send an ambulance to transport you to a hospital emergency room.

Health Insurance

International students should note that in addition to tuition, fees, room and board, and living expenses, they will have to pay for health insurance. US law requires universities to verify that international students on a J-1 visa (and their J-2 dependents) have health insurance before allowing them to enroll.

Your school will probably offer a group health insurance program to students who do not have their own health insurance.

Finding a Doctor

If you need help finding a doctor, call the campus health center. You should receive a list of local doctors that participate in your health insurance program when you enrolled.

Shopping in USA

Business Hours

The hours of operation depend on the store, and can vary from city to city. Most stores will open between 09:00 am and 10:00 am and close at 05:00 pm or 06:00 pm, Monday through Friday.

Stores in shopping malls keep longer hours, with the typical mall store being open 10:00 am to 09:00 pm, Monday through Saturday, and noon to 05:00 pm on Sunday.

Sales Tax

There is no national sales tax in the US, but each state has its own sales tax. The sales tax is charged as a percentage surcharge on purchases, and is printed on the receipt. Rates differ from state to state.

Unprepared food such as groceries is exempt from sales tax, but prepared food purchased in a restaurant is not. Clothing and medicine may also be exempt from sales tax.

Saving Money

Major department stores frequently have sales in which merchandise is sold at a discount, anywhere from 5% to 25% off the normal price. Not everything in the store will be on sale. Sale prices are usually advertised in the Sunday newspaper.

Supermarkets are large grocery stores, often part of a chain of stores. It is generally less expensive to shop in a supermarket than in a small local grocery, and the selection is larger.

Transport & Travel in USA

Cars

You probably don't need to own a car during your stay in the United States. A car is certainly convenient, but only cost effective if you use it almost every day. If you live near school, you will find walking, biking, and public transportation to be reasonable alternatives.

If you decide to purchase a car, you can get a 10-year-old used car for $1,000 to $2,000 and a 5-year-old car for $5,000 to $8,000. It will probably need to be repaired frequently, but the total cost will be less than a new car.

Driving in USA

We strongly recommend getting a local driver's license instead of relying on an international driver's license. Traffic laws and driving habits in the US differ so much that it is best to take a driving class and get a local license.

Driving laws differ somewhat from state to state and considerably from what you are accustomed to. Here are some of the more significant differences:

  • Speed Limits: Speed limits are designated in Miles Per Hour (MPH). Within cities the speed limit is usually 25 mph (40 kph). Highways have a speed limit of 55 mph (88 kph).
  • Driving on the right: In the United States cars drive on the right side of the road, and steering wheels are located on the left side of the car.
  • Liability Insurance: Most states require you to maintain certain minimum levels of liability insurance on your car in case you are involved in an accident.

Taxi Cabs

If you do not live far from school, you may find it less expensive to pay for an occasional taxi than to own a car.

You can find the telephone number for the local taxi dispatcher in the Yellow Pages. Call the dispatcher at least half an hour before you need the cab.

Taxi fares are metered in most cities and based on the distance. After an initial "flag down" fee for use of the taxi, the meter will charge a fixed amount per mile, typically $1.00 to $2.00 per mile, depending on the city.

Public Transportation

Bus fares range from $1.00 to $2.00 for a one-zone ride, depending on the city. If you need to change buses, transfers can be purchased for 25 cents in most cities.

Some cities have you pay as you get on the bus, some when you get off the bus, and some depend on the time of day. Some will have different rules depending on whether you're headed inbound or outbound.

Media in USA

Newspapers & Magazines

Every city has one or two daily newspapers. These represent a good source of local information. There may also be several ethnic newspapers specific to the interests of a culture or religion.

There are also a few national newspapers: USA Today, The Wall Street Journal and the New York Times. Major weekly news magazines include Time, Newsweek, and US News & World Report.

Television (TV)

Each US city has a half dozen or so free broadcast television stations. As many as 100 television stations, however, are available from cable TV or satellite TV, depending on the level of service purchased.

Communication in USA

Telephone Services

When you arrange for telephone service, you will have to choose a long distance carrier. The major carriers are AT&T, MCI, and Sprint. You can change the carrier later.

The telephone company will ask you how you wish to be listed in the local telephone directory. We suggest asking them to list your full last name but only the initial of your first name.

Internet Services

Your school may provide dialup numbers that let you access the campus computer network and the Internet from home using a computer with a modem. Otherwise, the telephone company or any of a large number of Internet Service Providers (ISPs) can provide unlimited Internet access at modem speeds for fees of about $20 a month.

US Postal Service

Mailing Letters & Shipping Packages

Letters and packages can be mailed using the US Postal Service or one of several private delivery services.

US Postal Services

The US Postal Service delivers letters and packages and sells stamps and postal money orders. They deliver mail both domestically and internationally.

Letters weighing up to 16 ounces with the appropriate postage affixed can be deposited in the blue mailboxes located throughout the city. Mail is removed from these boxes twice daily.

US Post

There are four main types of mail, each with a different set of postage rates:

  • Postcards
  • Letters
  • Aerograms
  • Parcels and Packages

General Information About USA

Entertainment

Major cities often have one or more guidebooks that list the local attractions. It is worth buying a copy of this book. You should be able to find it at local bookstores. The Sunday newspaper will include a section on arts, music, theater, movies, and other forms of entertainment.

Tourist Attraction

During your stay in the United States, you may wish to do a little touring. The US has a lot to offer the international visitor.

Some of the more famous attractions for international visitors include:

  • Niagara Falls
  • The Smithsonian Institution
  • Disney World
  • The Grand Canyon
  • Yellowstone National Park
  • Statue of Liberty

Test Requirements for USA

International students need to demonstrate English proficiency and academic readiness through standardized tests. ICP Overseas can guide you through the testing process.

GRE

Graduate Record Examination for graduate school admissions

More about GRE

GMAT

Graduate Management Admission Test for business school

More about GMAT

SAT

Standardized test for undergraduate college admissions

More about SAT

TOEFL

Test of English as a Foreign Language

More about TOEFL

IELTS

International English Language Testing System

More about IELTS

PTE

Pearson Test of English Academic

More about PTE

Education System in USA

Understand America's world-class education system from application to graduation.

Advantages of a US Education

Studying in the United States offers numerous advantages that make it a popular destination for international students:

  • Quality of Education: The US has many world-renowned universities offering high-quality education at the forefront of research and innovation.
  • Diverse Programs: Choose from a wide variety of academic programs across disciplines.
  • Research Opportunities: Access state-of-the-art facilities and cutting-edge research projects.
  • Cultural Diversity: Experience a multicultural environment with students from around the world.
  • Networking: Build connections through extensive alumni networks and industry ties.
  • English Proficiency: Improve your English language skills in an immersive environment.
  • Internship Opportunities: Gain practical work experience through internships and co-op programs.
  • Global Recognition: US degrees are respected worldwide, enhancing career prospects.

College Admission Process

Application Timeline

Here's a recommended timeline for applying to US universities:

24 months before Begin college search, request information from 10-15 schools
22-23 months before Start preparing for TOEFL and other required tests
16-21 months before Register for required admission tests
20 months before Finalize school list and request applications
15-18 months before Take TOEFL and other admission tests
12 months before Submit completed applications

Entry Requirements

Basic Requirements

  1. English proficiency (TOEFL/IELTS scores)
  2. Previous academic qualifications
  3. Completed application forms
  4. Statement of purpose
  5. Letters of recommendation

Undergraduate Requirements

Equivalent of US high school diploma, often including specific prerequisite subjects.

Postgraduate Requirements

Completed undergraduate degree. Research ability or work experience may also be considered.

Test Requirements

All schools require English language proficiency exams like TOEFL, IELTS or PTE. Schools may also require:

TOEFL

Test of English as a Foreign Language

More about TOEFL

IELTS

International English Language Testing System

More about IELTS

SAT

Scholastic Assessment Test for undergraduates

More about SAT

GRE

Graduate Record Examination for postgraduates

More about GRE

ICP Overseas can guide you through the testing process and help you achieve the scores needed for your desired program.

Funding Sources

Scholarships

Various scholarships are available from:

  • US Government programs
  • Universities (mostly for postgraduate study)
  • International organizations
  • Private foundations

ICP Overseas can help identify suitable scholarship opportunities for your profile.

Education Loans

Loan Availability

Indian nationalized banks offer education loans up to ₹20 lakhs for approved overseas programs.

Key Features:

  • Up to ₹4 lakhs without collateral
  • ₹4-7.5 lakhs with third-party guarantee
  • Above ₹7.5 lakhs requires collateral
  • Repayment typically begins 6-12 months after course completion
  • 5-7 year repayment period
  • Interest rates: 8-10% for government banks

ICP Overseas can assist with loan documentation and processing.

Universities in USA

The United States has over 4,000 degree-granting institutions, including world-renowned universities like Harvard, MIT, Stanford, and many excellent public university systems. All meet strict quality standards under regional accreditation systems.

ICP Overseas has partnerships with leading US institutions to help you find the perfect program for your academic and career goals.

Studying Costs in USA

This section provides average costs as a guide. It also provides Financial Planning Worksheet and Source of Financial Aid.

Calculating College Cost For Studies In USA

When calculating the annual cost of a US education at a particular college or university, add at least $6,000 Approx. to the published cost of tuition, fees, and room and board.

When preparing a budget, you will need to account for the following costs:

  • Application fees about $75 to $100 per school
  • Academic entrance examinations will cost you around $150 to $200 per examination
  • Tuition and fees will cost between $30,000 and $50,000 approx. per academic year
  • Books and study materials will cost $2000 to $4000 approx. per academic year
  • Travel costs to the US vary, but will be between $500 and $2,000 Approx.

Financial Planning Worksheet

Financial Planning Worksheet
ExpenseEstimated Cost
Application and Test Fees$____________
Tuition and Fees$____________
Books$____________
Travel to US$____________
Room and Board$____________
Expenses when school is closed$____________
Clothing$____________
Personal expenses$____________
Health insurance$____________
Summer study or travel$____________
Additional family members$____________
Other$____________
ANNUAL TOTAL$____________
Multiply the total by the number of years in your program (___)$____________

Source of Financial Aid For Studies In USA

Because sources of financial aid to study in the US are scarce, you will have to be resourceful and explore all possibilities.

Help from Your Home Country

One of the best sources of financial aid to study in the US is organizations in your own country. The nearest educational advising center may have information about local sources of support.

Your own government may have financial aid available. (Usually this support requires that you return home after your education is complete.) Contact the cultural section of your embassy or your ministry of education for more information.

Aid from International Organizations

Some international organizations offer funding for graduate students to study in the US. These include the United Nations, the Organization of American States (OAS), AMIDEAST, and others.

Schools with Financial Aid for International Students

Some US schools are more likely than others to offer financial aid for international undergraduate students. If a school is not listed here, it probably does not have much financial aid for international students.

Schools with Awards to More than 150 Students
Arizona State University (AZ)Illinois Inst. of Tech. (IL)Ohio Wesleyan Univ. (OH)
Barry University (FL)Liberty Univ. (VA)Princeton (NJ)
Clark Univ. (MA)Louisiana State Univ.Univ. of Bridgeport (CT)
Eastern Michigan Univ. (MI)Macalester College (MN)Univ. of Houston (TX)

Organization which provides Financial Aid For Studies In USA

This section lists a few organizations that may be able to provide some information about financial aid for international students.

NAFSA: Association of International Educators

NAFSA: Association of International Educators is the national professional association for international educators. NAFSA promotes international educational exchange between the United States and the rest of the world.

Institute of International Education (IIE)

Founded in 1919, the IIE is the largest non-profit organization in the US devoted to international exchange. The IIE administers the US Fulbright program and manages more than 250 international education programs.

Rotary Foundation

The Rotary Foundation of Rotary International gives grants to university students and teachers to act as "goodwill ambassadors" around the world.

Tuition Fee Estimates

Community College $6,000 - $20,000/year
Public University $20,000 - $35,000/year
Private University $30,000 - $50,000/year
Graduate Programs $15,000 - $45,000/year

Living Costs

Students typically need $1,000-$2,000 per month for accommodation, food, transport, and personal expenses, depending on location. ICP Overseas provides personalized cost estimates based on your city and lifestyle preferences.

Monthly Budget Example

$1,500

Average monthly living expenses for students

USA Visa Information

You will need to have a valid passport and a visa in order to enter the USA. Since it can take several months to obtain a passport and all the documentation, start the process as early as you can.

USA Passport

Your passport must be valid for at least six months beyond the end of your intended stay in the US.

Before leaving for the US, keep a photocopy of the page containing your photograph and passport number. If your passport is lost or stolen, this will make it easier to replace the passport. Keep the photocopy in a safe place, but do not carry it with your passport.

If your passport is lost or stolen, inform your embassy and the police immediately.

USA Financial Resources

Sufficient Financial Resources

To get a F-1 visa approved, you will need to show that you have sufficient funds to pay for the first year of study and that you have resources available to cover the rest of your educational program. For an M-1 or J-1 visa, you will need to demonstrate that you have sufficient funds to pay for all tuition and living costs for your complete stay in the US.

The information you provide on the I-20 form (F-1) or DS-2019 form (J-1) will be scrutinized very carefully by both the foreign student advisor at the school and the INS. If you do not have the resources necessary for study in the US, you will not get a visa.

Maintain Visa Status After Arrival In USA

If a student on a F-1 visa is not able to complete their studies by the expiration date on the I-20 form, they must apply to the school's Foreign Student Advisor for an extension 30 days before expiration. Extensions are normally granted for academic and medical reasons so long as there have been no violations of visa status.

It is possible to transfer schools after arrival on an F-1 visa. You will need to notify your current school of the transfer and obtain an I-20 form from the new school.

Changing Visa Status After Arrival In USA

The B-2 visa (Tourist Visa) is not considered a student visa for full-time study. Studying in the US on a B-2 visa is reason for deportation. Switching from a B-2 visa to a F-1 or J-1 visa after arriving in the US is extremely difficult, and may be grounds for deportation or prosecution for visa fraud.

If you intend to enter the US with a B-2 visa and possibly switch later to a F-1 or J-1 visa, be sure to get the visa with a "Prospective Student" stamp on it. You will probably need to supply a copy of a letter of admission before they will grant you a B-2 visa with a "Prospective Student" stamp on it.

Student Visa Requirements

You must apply for the appropriate student visa corresponding to your program of study. ICP Overseas provides complete visa assistance including:

  • Visa type determination
  • Document preparation
  • Application submission
  • Interview preparation

Common Visa Requirements

  • Valid passport
  • Form I-20 from your school
  • Proof of financial support
  • SEVIS fee payment receipt
  • Academic transcripts
  • Visa application fee payment

Visa Types

F-1 Visa Most common student visa for academic studies
J-1 Visa Exchange visitor visa for approved exchange programs
M-1 Visa For vocational or non-academic studies

Working in USA

This section gives you details about your Work Permits and Student Work Regulations in USA.

Employment

Do not count on being able to scrape up the funding after you arrive in the US. Getting a job is not an effective means of financing an education in the US. There are many restrictions on employment by foreign nationals, and some types of visas prohibit it totally. Most international students are limited to on-campus employment.

Even if you are able to find work, you will not be able to get a job that pays well enough to cover all your expenses. The typical on-campus job will pay no more than $1,000 to $2,000 during the school year, and a similar amount during the summer vacation.

Work Regulations

If you are studying on an F-1 visa, you may not accept off-campus employment during the first year of study. You may, however, take an on-campus job to fund the bills. You are limited to 20 hours a week while school is in session, provided that you do not displace a US resident.

After the first year of study, a student on an F-1 visa may ask the INS for permission to accept off-campus employment. Permission is often granted if the student is experiencing severe economic hardship through no fault of their own.

Why Choose ICP Overseas?

Expert Guidance

Our experienced counselors provide personalized advice for your US education journey.

University Partnerships

Direct connections with leading US institutions for seamless admissions.

Visa Success

High visa approval rates through meticulous documentation and preparation.

Post-Arrival Support

Assistance with accommodation, orientation, and settling into American life.