Understanding Expenses: A Student's Guide to Living in the USA
Studying in the US is an investment. Understanding the cost of living is crucial for planning your finances effectively. This guide breaks down the monthly expenses you can expect in 2025.
Major Expense Categories
1. Accommodation ($500 - $1,500)
Rent is your biggest expense. On-campus housing is convenient but often pricier. Sharing an apartment off-campus significantly reduces costs. Cities like New York or San Francisco will be at the higher end.
2. Food & Groceries ($200 - $400)
Cooking at home is the golden rule for saving money. Indian grocery stores are available in most college towns. Eating out averages $15-$20 per meal, so save it for occasions.
3. Transportation ($50 - $150)
Many universities offer free bus passes for students. In cities with good metro systems, public transport is affordable. Ubers are expensive—avoid them for daily commute.
4. Utilities & Internet ($100 - $200)
If living off-campus, you'll split bills for electricity, water, heating, and Wi-Fi. In winter, heating bills can spike.
Money-Saving Hacks
- Student Discounts: Always ask for student discounts (movies, software, transport).
- Second-Hand Textbooks: Buy used books or rent them to save hundreds of dollars.
- Part-Time Work: F-1 students can work up to 20 hours/week on campus, helping cover daily expenses.
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