Pursuing a bachelor’s degree in the United States is a dream for many international students, but it comes with a significant financial investment. From tuition fees to living expenses, understanding the USA bachelor degree cost essential for making informed decisions.
This blog provides a comprehensive guide to the costs associated with earning a bachelor’s degree in the USA, including details on tuition fees, the types of degrees offered, and the expenses beyond academics, such as accommodation, travel, and health insurance.
Whether you are planning to study at a prestigious private university or a more affordable community college, knowing the factors that influence the total cost will help you prepare for this life-changing educational journey.
The average cost of bachelor's degree in USA typically ranges from $15,000 (INR 12L) to $50,000 (INR 42L) per year. However, tuition fees tend to be higher at prestigious universities. On average, international students spend approximately $38,270 (INR 32L) annually on living expenses, which includes tuition, accommodation, books, and other miscellaneous costs.
Over the course of four years, the total expenditure can reach around $153,080 (INR 1 Cr). It's important to keep in mind that these costs can vary significantly depending on the choice of university, living arrangements, and the student's lifestyle.
Types of Bachelor’s Degrees in USA
There are several types of bachelor’s degrees offered in the USA, each catering to different career goals and interests. International students often choose the type of degree that aligns with their professional aspirations.
Here’s a breakdown of the most common bachelor’s degrees:
1. Bachelor of Arts (BA Degree)
The Bachelor of Arts degree is typically pursued by students interested in the liberal arts, humanities, and social sciences. This degree offers flexibility in terms of subject choices, allowing students to explore a wide range of disciplines. Common majors include:
English
Education
Communication
Philosophy
Psychology
Foreign Languages
History
Average Tuition Cost:
Public Universities: $10,000–$25,000 (INR 8L – INR 21L) annually
The Bachelor of Science degree is one of the most popular and commonly opted-for degrees, especially for students pursuing careers in science, technology, engineering, mathematics (STEM), and business. Some of the common majors include:
Physics
Chemistry
Biology
Mathematics
Computer Science
Engineering
Nursing
Business Administration
Average Tuition Cost:
Public Universities: $12,000–$30,000 (INR 10L – INR 25L) annually
The Bachelor of Fine Arts is designed for students pursuing careers in the visual or performing arts. It offers a more intensive, hands-on learning experience in creative fields such as:
Visual Arts (Painting, Sculpture, Photography)
Creative Writing
Film and Photography
Music
Theater and Dance
Average Tuition Cost:
Art Schools or Specialized Institutions: $20,000–$50,000 (INR 17L – INR 42L) annually
Note: The amount mentioned above may vary due to fluctuations in exchange rates.
Bachelor’s Degree Costs in the USA by Type of University
The graduation fees in USA for a bachelor's degree vary significantly based on the type of institution. The cost can range from $15,000 (INR 12L) to $50,000 (INR 42L) per year, depending on whether you attend a public university, private university, or community college.
Approximate Annual Tuition Fees:
Public Universities: $20,000 - $40,000 (INR 16L - 33L)
Public universities are generally more affordable, especially for in-state students.
Private universities have higher tuition fees across the board.
Community colleges offer lower tuition costs, often for the first two years.
Location Tuition costs and living expenses are higher in major cities like New York or Los Angeles, compared to smaller towns or rural areas.
Choice of Program Specialized programs like engineering or business tend to be more expensive than programs in arts or humanities.
On-Campus vs. Off-Campus Housing On-campus housing can be more expensive but more convenient, while off-campus options can vary in cost.
International Student Status International students usually pay higher tuition fees than domestic students.
Financial Aid and Scholarships Scholarships and financial aid can significantly reduce tuition and other costs.
Additional Fees Fees for labs, technology, activities, and health insurance can add up.
Living Expenses Costs for food, transport, and utilities vary by location. Living in cities is more expensive than in suburban or rural areas.
Currency Exchange Rates Fluctuating exchange rates can impact overall expenses for international students.
These factors collectively determine the total cost of obtaining a bachelor's degree in the USA.
Cost of Living in the USA
The cost of living for international students in the USA largely depends on the location of the university, type of accommodation, and individual lifestyle choices.
While tuition fees are a significant expense, students also need to budget for essential day-to-day costs such as accommodation, food, travel, and other utilities.
In general, students will face higher costs in cities like New York, Los Angeles, and Boston, compared to smaller towns or rural areas.
Here is a breakdown of the average monthly cost of living for international students in the USA:
Expense Category
Approximate Average Cost (INR)
Transportation (Regular Price)
INR 5k
Utilities
INR 17k
Clothing
INR 4k
Housing
INR 1.4L
Miscellaneous Expenses
INR 4.7K
Source: Numbeo
Note: The amount mentioned above may vary due to fluctuations in exchange rates.
Affordable Study Abroad Strategies You Should Know
Studying abroad can often seem like a huge financial burden, but there are strategies to make it more affordable. One of the most effective options is enrolling in a pathway program, which not only reduces costs but also provides additional support for a smoother transition to your dream university.
Here’s how the program can help you save and succeed:
Significant Cost Savings: By completing your first year in India, you could save up to INR 50L in tuition and living expenses. Plus, you'll earn 30 credits towards your degree, making it a financially wise move.
Smooth Transfers to Elite Colleges: With a strong GPA, you can easily transfer to top U.S. institutions, ensuring that you’re still on the path to an Ivy League education or other prestigious colleges.
Comprehensive Support: The program provides personalized academic counseling, transfer assistance, and visa guidance, ensuring a seamless transition to your next phase of education.
Bypass Intense Competition: Skip the fierce competition for limited spots by focusing on building a solid academic foundation instead of stressing over standardized test scores.
This pathway not only helps you save a significant amount but also eases the pressure, allowing you to focus on your academic and career goals without the financial strain. It’s a smart and strategic way to reach your dream university!
Ready to take the next step? Book a 1:1 session now and let’s explore how this pathway can help you achieve your goals with confidence.
Pre-Arrival Costs Before Studying Bachelors in USA
Before you embark on your journey to study in the USA, there are several essential pre-arrival costs to consider. These expenses will vary based on factors such as the test you are taking, the university you are applying to, and where you are traveling from.
Below is a detailed breakdown of the pre-arrival costs you should be prepared for.
1. English Language Proficiency Examination Cost
For non-native English speakers, demonstrating English proficiency is mandatory for university admission. The two most commonly accepted English proficiency exams for US universities are TOEFL (Test of English as a Foreign Language) and IELTS (International English Language Testing System).
TOEFL: The registration cost for the TOEFL exam in India is INR 16,900 (approximately $197).
IELTS: The registration cost for the IELTS exam in India is INR 17,000 (approximately $198).
These costs may vary slightly based on the testing center and location. It’s also essential to consider any additional costs such as rescheduling fees or sending scores to universities.
2. Standardized Test Costs
In addition to English proficiency exams, many US universities require international students to submit scores from standardized tests, particularly for admission to undergraduate programs. The SAT (Scholastic Assessment Test) is one of the most common admission tests for undergraduate students.
SAT Test Cost:
Standard Registration Fee: $60 (approximately INR 5k)
Regional Fee: $43 (approximately INR 3k)
Total SAT Cost: $103 (approximately INR 8k)
3. University Application Cost
Applying to universities in the USA typically requires paying an application fee, which covers the administrative costs of processing your application.
Average University Application Fee:
The average application fee for most US universities is $50 (approximately INR 4k).
However, this fee can vary from university to university, with some institutions charging as low as $25 (approximately INR 2k) and others charging up to $100 (approximately INR 8k) for application processing.
It’s important to note that some universities may waive the application fee if students meet certain criteria or apply through specific channels such as early decision or through a university consortium.
4. Visa Application Cost
A valid USA student visa is essential for studying in the United States. The F-1, M-1, and J-1 visas are the most common for international students. Applying for a visa involves paying an application fee, which can vary slightly depending on the visa type.
F-1 Student Visa Application Fee:
The standard application fee for an F-1 student visa is $185 (approximately INR 15k).
Additional costs may include the SEVIS fee (Student and Exchange Visitor Information System), which is $350 (approximately INR 30k) for F-1 visa holders.
It's advisable to check the latest fees on the USA Department of State website, as visa fees can occasionally change based on diplomatic relations or policy updates.
The cost of traveling to the United States varies depending on the time of year, the airline, and the city you are flying from. Students can often find better deals by booking tickets well in advance.
Airfare Cost:
A one-way flight from India to the USA typically costs between $400 – $900 (approximately INR 34k – INR 77k).
The exact price will depend on factors such as the time of year, whether you are traveling during peak seasons (e.g., summer or winter holidays), and the airline.
Booking early, using fare comparison websites, and being flexible with your travel dates can help you find the best deals.
Note: The amount mentioned above may vary due to fluctuations in exchange rates.
Post-Arrival Costs of Studying Bachelor's in USA
Once you arrive in the USA to pursue your bachelor’s degree, you will encounter various ongoing costs. These expenses can be broadly categorized into tuition fees, cost of living, insurance, and emergency funds.
Each of these factors plays a crucial role in your overall budget and needs careful consideration for financial planning.
1.Graduation Tuition Fees in USA
The most significant expense for international students is tuition fees.
University Type
Annual Tuition Fee
Private University
$30,000 – $60,000 per year (approximately INR 25L – INR 50L)
Public University
$10,000 – $25,000 per year (approximately INR 8L – INR 21L)
It’s important to remember that tuition fees can fluctuate based on course selection, university rankings, and in-state vs. out-of-state status.
2. Accommodation Costs
Accommodation is one of the largest expenditures students will face while studying in the USA. Your options include on-campus housing, apartments, and homestays, each with their own set of costs.
On-campus housing typically costs between $1,078 – $2,395 per month (approximately INR 92k – INR 2L).
Off-campus housing, such as apartments or shared living spaces, tends to be more affordable but varies depending on the location and city.
On average, you can expect to pay $525 per month (approximately INR 44k) for rent, excluding food, utilities, groceries, and transportation.
Factors such as location, proximity to campus, and the type of accommodation (single, shared, or student housing) will heavily influence the cost. For example, living in cities like New York, Los Angeles, or San Francisco will cost significantly more than living in smaller towns or cities.
3. Cost of Living
The cost of living in the USA for international students varies significantly depending on the city and lifestyle.
The breakdown of cost categories typically includes:
Parameter
Cost
Groceries
$1,200 to $2,500 (approximately INR 1L – INR 2L) annually
Transport
$100 to $200 (approximately INR 8K – INR 17K) monthly
Please note: Living in metropolitan areas will naturally incur higher living costs, while in smaller towns, students may experience lower overall expenses.
4. Insurance
Health insurance is mandatory for students studying in the USA. Depending on the coverage plan, students can expect to pay $1,500 to $2,500 annually (approximately INR 1L – INR 2L). Some universities include health insurance in their fee structure, while others require students to purchase their own plans.
Health insurance typically covers:
Medical consultations
Hospital visits
Emergency treatment
Prescriptions
It’s advisable to thoroughly understand what your health insurance plan covers, as medical costs in the USA can be significantly high without proper insurance.
5. Emergency Funds
It’s crucial to set aside an emergency fund for unexpected expenses, such as sudden medical issues, unforeseen travel costs, or other personal emergencies. The general recommendation is to have an emergency fund that amounts to three to six times your monthly living expenses.
Having this buffer in place can provide peace of mind, ensuring that you won’t need to rely on credit cards or loans in times of crisis.
Note: The amount mentioned above may vary due to fluctuations in exchange rates.
Tips on Financial Planning for Students
Managing finances while studying abroad can be challenging, but proper planning can help you save on essential expenses and avoid unnecessary financial stress.
Here are some helpful tips to ensure that you stay on top of your budget:
1. Prepare a Budget
Creating a detailed budget helps you keep track of both expected and unexpected costs. Categorize your income, such as funds from family, scholarships, or part-time work, and align them with your expenses (tuition, accommodation, food, travel, etc.).
This helps in monitoring your spending habits and preventing overspending.
2. Prioritize Your Expenses
List your essential expenses, including rent, groceries, utilities, and transportation, and allocate a significant portion of your budget to these.
Avoid spending on luxuries or unnecessary indulgences, and focus on your core needs. Living close to your university can save you transportation costs, while shopping in bulk can lower grocery bills.
3. Part-Time Work
International students in the USA can work up to 20 hours per week during the semester and 40 hours per week during holidays.
On-campus jobs, such as library assistant, campus dining, or lab assistant positions, can help cover living expenses.
4. Student Discounts
Always ask about student discounts available for groceries, dining, entertainment, software, public transport, and more.
Carry your student ID to avail of discounts wherever applicable.
Many services, such as Amazon, Spotify, and Apple, offer student-specific deals on subscriptions.
5. Home Cooking
Eating out regularly can quickly drain your finances. Try to cook meals at home and plan your weekly menu. Not only will this save you money, but it can also be a fun way to bond with friends or discover new recipes.
Batch cooking and freezing meals can save time and money throughout the week.
6. Emergency Fund
Start building an emergency fund as early as possible.
Set aside a fixed amount from your monthly budget to help you manage unforeseen expenses like sudden medical needs, unexpected travel, or emergency repairs. This fund acts as a financial safety net.
By following these tips, you can reduce the overall financial strain of studying in the USA and ensure a smoother academic experience. Planning ahead and making informed financial decisions will help you make the most of your time in the USA.
You can download the PDF from here: Comprehensive Guide to the Cost of a Bachelor’s Degree in the USA.
Frequently Asked Questions
1. How much does it cost to study undergraduate in the USA?
The cost of studying an undergraduate degree in the USA varies depending on the university type, location, and program. On average:
Public Universities: $20,000 - $40,000 per year (INR 16L - 33L)
Private Universities: $30,000 - $50,000 per year (INR 25L - 42L)
Community Colleges (First 2 Years): $8,000 - $15,000 per year (INR 6.5L - 12L)
Additionally, living expenses range from $10,000 - $18,000 per year (INR 8L - 15L), including accommodation, food, and transportation.
2. What are the tuition fees for public universities in the USA?
Tuition fees for public universities range from $10,000 to $20,000 per year for in-state students (INR 8L to INR 17L). Out-of-state students generally pay between $25,000 and $40,000 annually (INR 21L to INR 34L), depending on the state and university.
3. How much do private universities charge for tuition?
Private universities in the USA tend to charge higher tuition fees, which usually range between $30,000 and $60,000 per year (INR 25L to INR 51L). Prestigious institutions, such as Ivy League schools, can exceed these amounts, with tuition fees sometimes reaching $70,000 or more annually (INR 60L+).
4. What other expenses should I expect aside from tuition fees?
In addition to tuition, students should budget for housing, meals, books, transportation, and personal expenses. On average, living costs range from $10,000 to $15,000 per year (INR 8L to INR 12L), though this can vary significantly depending on location and lifestyle.
5. How much does it cost to live in the USA as an international student?
The cost of living varies depending on the location. In large cities such as New York or Los Angeles, the cost of living may be $12,000 to $18,000 annually (INR 10L to INR 15L). In smaller cities or rural areas, expenses can be as low as $8,000 to $12,000 per year (INR 6L to INR 10L).
6. Are there scholarships available to reduce the cost of tuition?
Yes, many universities offer a variety of scholarships for both domestic and international students. These scholarships can range from partial tuition coverage to full tuition and living expenses, helping reduce the financial burden of higher education.
7. Can I work while studying to offset living costs?
International students holding an F-1 visa can work part-time on campus up to 20 hours per week during the academic year. This allows students to earn money for personal expenses while gaining valuable experience. Summer jobs may offer additional opportunities.
8. What is the cost of health insurance for students in the USA?
Health insurance costs for students vary depending on the plan chosen. On average, students can expect to pay between $1,000 and $3,000 annually (INR 85k to INR 2L) for health insurance. Some universities require students to enroll in their health plan, while others offer options for external coverage.
9. What are the living costs in different regions of the USA?
Living costs in the USA can vary significantly by region. Major cities like New York, San Francisco, and Boston tend to be more expensive, with annual costs ranging from $15,000 to $20,000 (INR 12L to INR 17L). Smaller cities and rural areas offer more affordable living, with costs typically under $12,000 per year (INR 10L).
10. Do universities offer financial aid to international students?
Many universities offer financial aid to international students, though the availability is more limited than for domestic students. Financial aid options include merit-based scholarships, need-based grants, and occasionally loans, though international students are usually not eligible for federal aid.
11. How much does it cost to study in the USA for Indian students after 12th?
Ans: For Indian students after 12th, the total USA Bachelor Degree Cost includes tuition fees, living expenses, and additional costs like health insurance, visa fees, and books.
Total Estimated Cost Per Year:
Public Universities: $30,000 - $55,000 (INR 25L - 45L)
Pragya Sharma is a content developer and marketer with 6.5+ years of experience in the education industry. She started her career as a social media copywriter for NIELIT, Ministry of Electronics & IT, and has now scaled up as a 360-degree content professional well-versed with the intricacies of digital marketing and different forms of content used to drive and hook the target audience.
She is also a co-author of 2 stories in an anthology based on the theme- women empowerment.
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