Planning to study in the USA in 2025-26? Understanding the total cost is crucial for international students aiming to pursue higher education in the United States. The Study in USA Total cost in 2025-26 encompasses various expenses, including tuition fees, living costs, health insurance, and miscellaneous expenses. This comprehensive guide provides the latest information to help you budget effectively and make informed decisions about your educational journey in the USA.
The Study in USA Total cost in 2025-26 varies based on factors such as the choice of university, location, lifestyle, and course of study. On average, international students can expect to spend between $25,000 and $60,000 per year. This estimate includes tuition fees, accommodation, food, transportation, health insurance, and other personal expenses. By understanding these costs, you can plan your finances better and explore options for scholarships and financial aid to reduce the financial burden.
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A Step-by-Step Guide to the Study in USA Total Cost in 2025-26
1. Cost to Study in USA’s Leading Universities
The United States has both Public and Private Universities, with tuition fees being the primary expense for higher education. Public or State Universities have cheaper tuition rates than Private Universities. Higher education costs will also vary according to the degree pursued, and the Institution attended. International students studying in the United States can tentatively expect a cost of between $25,000 and $45,000 per year. This includes the tuition fees and living expenses. As you have read, the Universities in the USA offer a wide range of tuition fees. So, it is time to let go of the common misconception that the USA has high tuition fees. There are many affordable course options along with different kinds of funding accessible.
2. Tuition Fees at Public Universities
One of the highest and initial costs of studying in the USA is the tuition fee. This cost varies depending on several variables, including the type of University, the kind of degree program, the course taken, etc.
| Level of Study | Avg. Annual Tuition Fee |
| Master’s Degree | $10,000 to $35,000 |
| Bachelor’s Degree | $8,000 to $35,000 |
3. Tuition Fees at Private Universities
Compared to Public Universities, Private Universities have higher tuition fees. But be assured that they are worth every penny. Tuition fees at such top Universities in the USA are the same for all domestic and international students.
The following table gives you a range of the cost to study in Private Universities in the USA as per the degree you choose:
| Level of Study | Avg. Annual Tuition Fee |
| Master’s Degree | $22,000 to $55,000 |
| Bachelor’s Degree | $25,000 to $50,000 |
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4. Cost of Living in the United States
The average cost of living in the United States is roughly $1,500 per month or $18,000 per year. This includes your accommodation, meals, transportation, publications, apparel suited for the season, and leisure activities. Let’s look at the living costs and other expenses in the USA:
| Expenses | Average Yearly / Monthly Cost |
| Accommodation | $9,800 – $11,100 per year |
| Food | On campus: $250 per month Off-campus: $400 – $600 per month |
| Health Insurance | $700 – $1,100 per year |
| Travel | $300 – $700 per year |
| Books and Study Material | $900 – $2,000 per year |
| Clothes | $500 per year |
| Electricity | $100 – $150 per month |
| Phone Subscription | $50 per month |
| Home Internet | $45 – $50 per month |
| Water, Trash and Sewer | $50 – $75 per month |
5. Cost to Study in USA: City-wise Living Expenses
The choice of place to study and live in the United States significantly impacts international students’ overall cost of living. The cost of living will no doubt be higher in metropolitan areas like New York, Boston, and San Francisco than in rural areas like Seattle, Texas, and New Orleans. Listed below is the indicative range of living expenses that you need to fulfil while living in one of the best cities in the USA.
| Type of City | Average Monthly Cost of Living |
| Metropolitan Cities | $2,200 to $2,500 per month |
| Other Cities | $2,000 to $2,200 per month |
6. Available Scholarships for Studying in USA
The Government of the USA and many US Universities offer scholarships to international students based on merit, need, sports and sometimes extra-curricular excellence as well. Students can apply for the best scholarships based on their eligibility. In these scholarships, the most accrued costs like tuition, living expenses, etc. are usually covered. Students should also know that all these scholarships to study in the USA are quite competitive and limited in numbers.
- Fulbright Scholarship in the USA 2026
- Fully Funded Scholarships in USA for International Students 2025
- IMF Internship Program 2025 in USA (Fully Funded)
- World Press Institute Fellowship 2026 in USA
- Joint Japan/World Bank Graduate Scholarship
- Knight-Hennessy Scholars Program
- AAUW International Fellowships
- Yale University Scholarships
- Purdue University Summer Fellowship 2025 in USA
- Stanford University Scholarships
You can check for such scholarships and their availability. Mostly, the process for applying for the same is separate and has specific deadlines.
7. Visa and Application Fees
When calculating the Study in USA Total cost in 2025-26, international students must include visa and application fees as part of their budget. To study in the United States, students need an F-1 student visa, which comes with a non-refundable application fee of $185. In addition to this, applicants must also pay the SEVIS (Student and Exchange Visitor Information System) fee, which is currently $350.
8. Taxes for Cost of Studying in USA
When planning the Study in USA Total cost in 2025-26, international students should also consider how U.S. taxes might impact their overall expenses. While most students don’t pay taxes on scholarships used for tuition and fees, any portion of the scholarship used for housing, meals, or other non-qualified expenses may be considered taxable. Moreover, if an international student works part-time on campus under their F-1 visa (which is allowed up to 20 hours per week), they may be required to pay federal and state income taxes on their earnings. The exact amount depends on income level and the state’s tax rules. International students are generally exempt from paying Social Security and Medicare taxes, but it’s essential to file an annual tax return using forms like 1040-NR or 8843.
9. Why Study at USA?
Cheapest universities in the USA offer high-quality education at a fraction of the cost, making them a smart choice for international students. Choosing an affordable university in the USA allows students to reduce financial burden while still benefiting from world-class faculty, strong industry connections, and global career opportunities. But does a lower fee mean a compromise on quality? Absolutely not. Many cheap universities in the USA offer fully accredited programmes, cutting-edge research opportunities, and a diverse student community. Several institutions have partnerships with top employers like Google, Amazon, and Tesla, giving students access to internships and job placements.
Frequently Asked Questions (FAQs)
What is the average Study in USA Total cost in 2025-26 for international students?
The average Study in USA Total cost in 2025-26 ranges between $25,000 and $60,000 per year. This includes tuition fees, accommodation, food, health insurance, and other living expenses.
How much are tuition fees included in the Study in USA Total cost in 2025-26?
Tuition fees can vary widely, typically ranging from $20,000 to $50,000 per year for undergraduate programs and up to $60,000 or more for graduate studies, depending on the university and course.
Are there any hidden fees included in the Study in USA Total cost in 2025-26?
Yes, besides tuition and living costs, students must budget for visa application fees, health insurance, textbooks, travel, and personal expenses which all contribute to the total cost.
Can scholarships reduce the Study in USA Total cost in 2025-26?
Absolutely! Many universities and organizations offer scholarships that can significantly reduce the Study in USA Total cost in 2025-26, especially for high-achieving students.
What are the living expenses in the Study in USA Total cost in 2025-26?
Living expenses such as housing, food, transportation, and utilities usually add $10,000 to $20,000 annually, depending on the city and lifestyle.
What are the visa and application fees in the Study in USA Total cost in 2025-26?
The F-1 visa application fee is $185, and the SEVIS fee is $350. University application fees typically range from $50 to $100.
Can international students work to offset the Study in USA Total cost in 2025-26?
Yes, F-1 visa holders can work on-campus up to 20 hours per week during semesters, helping to manage some living costs included in the total.
Do taxes impact the Study in USA Total cost in 2025-26 for international students?
While taxes on scholarships are limited, students working part-time may need to pay federal and state income taxes, which can slightly affect overall expenses.
How can I best budget for the Study in USA Total cost in 2025-26?
Start by researching tuition fees and living costs specific to your chosen university and city. Include visa, health insurance, travel, and personal expenses. Also, apply for scholarships and consider part-time work to reduce the total cost.
Does the Study in USA Total cost in 2025-26 vary by city or state?
Yes, the Study in USA Total cost in 2025-26 varies based on location. Cities like New York, Boston, and San Francisco have higher living costs, while smaller towns and midwestern states are more affordable.
