Cost of Studying in the USA for International Students 2026

Studying in US is expensive and applicants can may have to pay some extra bucks to make their financial portfolio. The average cost of studying in US varies with level of study and also the university type. We will discuss the cost of studying here for students.

The cost of studying in the US is a major concern for international students. The cost of studying in the US and living in the US are major factors determining whether the United States of America (USA) is a feasible destination for higher studies. The tuition fee for the USA varies according to the different universities, courses, and cities within a country. The average tuition fee is around  USD 50,000 annually for top colleges in the US. Also, the cost fluctuates while pursuing different courses.

For example, pursuing an MBA is costlier than pursuing an Arts degree. The average cost of an MBA is around USD 75,000, while an Arts degree typically costs around USD 40,000. Colleges in the US, which offer undergraduate programs of a longer duration, may cost students more than the usual one year of postgraduate study; however, the tuition fee should not be taken as a yardstick for the quality of education being provided by the institution. Moreover, students who wish to study in the US should note that tuition fees for government-funded institutions are generally lower than those for private universities.

Cost of Studying in the US 2026

Based on 2025 trends, applicants can look at how much international students had to spend on cost of studying in USA in 2025. The following data reveals the recent cost of studying in the US:

• According to the College Tuition Inflation Rate Report, published by EducationData, the annual inflation rate for higher education institutions in the US stood at 8%
• National Center for Education Statistics data reveals that the average fee for a 4-year program in a private non-profit academic institution has increased by 4% since 2024.
• For 2025-26, 1-year cost of an undergraduate program at Harvard University was USD 84,789. 

(Source: Trends in College Pricing 2025 by CollegeBoard)

The cost of studying in public universities in USA is slightly cheaper than that of private universities in USA. Applicants who want to study in USA but at an affordable price, can consider public university systems like:

1. California State University
2. University of California
3. State University of New York
4. University of Texas
5. University of North Carolina

Apart from these, there are high ROI universities in USA which also include Ivy League schools, that can be considered for studying in USA if looking for lucrative options. 

Cost of Popular Courses in the US 2026

The top universities in the US are Princeton University, Harvard University, Yale University, Columbia University, and Stanford University. Most of the country's best colleges are in cities like Boston, New York, Cambridge, Old Saybrook, and New Haven. The more urbanized the place, the costlier it will be.

Business Management, Computer Science, Finance and Accounting, Economics, and Communications/Media are popular courses that Indian students pursue in the US. The cost of studying in the US in a full-time course for the following courses per annum is as follows:

• MBA courses in the US cost INR 20 lakhs to 1 Cr.
• The cost of studying for a full-time MS in the US is 18 Lakhs, and
• The cost of studying a full-time BE/ B. Tech course in the US is INR 49.08 lakhs.

If you don't want to splurge much on your studying cost, you can look at some of the most affordable universities in USA for admission.

Average Cost of Living in the US 2026

The expenses to studying in the USA can be broken down into living, food and studying expenses. The tuition fees for a particular country form one major chunk of the expenditure; the other is the living cost while in the country. Students living in the city would be shelling out more money than students who stay in the suburban part of the country. A student spends approximately USD 15,000 – USD 20,000 per year on living expenses while studying in the US. However, this amount entirely depends on the location where a student lives. If a student decides to reside in a metropolitan city, he will spend more than one who opts for a hostel or suburban accommodation.

Cost of Living in the US - the average cost of living in the USA generally includes the following expenses:

• Accommodation
• Room and board
• Food
• Travel
• Textbooks
• Weather-appropriate clothing
• Entertainment
• Personal and miscellaneous expenses

Other expenses that are taken into consideration under living expenses include:

• Travel expenses between India and the country of choice during vacation time
• Large costs, such as a PC, furniture, or even a rental car
• Medical expenses which are not covered by health insurance, e.g. dental care, eye care, cosmetic treatments
• Social outings
• Weekend trips
• Variable expenses.

Considering these factors, we have gathered an all-inclusive average living expenses index for students wanting to travel abroad. Students from India can expect to shell out around INR 10 Lakhs per annum to cover their living and meal expenses while studying in the US. Plus, student visa fees for USA from India applying for undergraduate courses in rupees is INR 48,000 approx.

USA Education Loan

Often, studying in the US can prove to be an expensive endeavour. The biggest challenge in studying in the USA is arranging funds to study there. Although many financial aid opportunities are available for students who want to study in the USA, along with scholarships and grants that can help you fund your studies, getting financial aid is not as easy as it sounds. Also read about: FAFSA for Indian Students

The cost of living and studying in USA are higher for international students. But there still a few who still wish to study there. In this case arranging for funds becomes necessary to apply and also study. Various banks have recognised this scenario and simplified the financing of higher education through education loans for studying in the US.

Several banks and/or financial institutions offer education loans to international students. Education loans are one of the key finances essential to process abroad admissions. Loans for education come with many terms and conditions. Some banks offer loans at competitive interest rates with benefits like flexible repayment options and low interest rates. Candidates must adhere to the guidelines to be considered successfully for a student loan to study abroad. Candidates seeking to study in the US, with the assistance of an education loan, must provide financial institutions and banks with documents and security for their loan amount.