Cost of Bachelors degree in USA – Tuition Fees & Cost of Living

Latest update: The financial aid significantly reduces the actual cost of a bachelor’s degree in the USA. For many students, net costs drop to approximately $20,800 at public universities and $36,200 at private nonprofit institutions after accounting for scholarships and aid packages.

Understanding the cost of a bachelor's degree in USA is essential for students planning to study abroad in 2025. According to recent data, the average annual cost for a full-time undergraduate program, including tuition, fees, books, supplies, room, and board, is approximately $38,270 (approximately INR 31.9 lakhs). Public in-state universities cost about $27,146 (INR 22.6 lakhs), while private nonprofit institutions may go up to $58,628 (INR 48.9 lakhs) per year. These estimates make it clear why financial planning is crucial for international students. 

Additionally, one must budget for living expenses, health insurance, travel, and personal costs. Despite the significant investment, U.S. universities are known for their world-class faculty, diverse course offerings, and global career opportunities. With access to scholarships, grants, and part-time work, many Indian students successfully manage the financial demands of studying in the USA.

Embark on your U.S. study journey with upGrad's comprehensive support—from exploring top universities to pursuing bachelor's degrees through our Accelerator Programs.

Explore Study Abroad in the USA | Discover Bachelor's Accelerator Programs

Cost of Bachelors degree in USA

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
• Private Universities: $30,000–$60,000 (INR 25L – INR 51L) annually

2. Bachelor of Science (BS Degree)

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
• Private Universities: $40,000–$70,000 (INR 34L – INR 60L) annually

3. Bachelor of Fine Arts (BFA Degree)

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.

Also Read: Best Universities and Colleges in USA

Bachelor’s Degree Costs in the USA by Type of University

The Cost of Bachelors Degree in USA varies significantly depending on the type of institution. Graduation fees can range from $15,000 (INR 12 lakhs) to $50,000 (INR 42 lakhs) per year.

Public universities typically offer more affordable tuition, especially for in-state students, while private institutions and out-of-state tuition rates can be substantially higher. Community colleges provide a lower-cost pathway for the first two years of undergraduate education.

Approximate Annual Tuition Fees:

• Public Universities: $20,000 - $40,000 (INR 16L - 33L)
• Private Universities: $30,000 - $50,000 (INR 25L - 42L)
• Community Colleges (First 2 Years): $8,000 - $15,000 (INR 6.5L - 12L)

Apart from tuition, students must also consider living expenses, books, and other costs, making financial planning essential for studying in the USA.

Private Universities 

University	Cost of Bachelor Degree in USA (INR)	Cost of Bachelor Degree in USA(USD)
Harvard University	INR 47L – INR 59L	$55,000–$70,000
Stanford University	INR 42L – INR 50L	$50,000–$60,000
Massachusetts Institute of Technology (MIT)	INR 38L – INR 47L	$45,000–$55,000
Yale University	INR 47L – INR 55L	$55,000–$65,000
Princeton University	INR 34L – INR 51L	$40,000–$60,000

Public Universities

University	Cost of Bachelor Degree in USA  (INR)	Cost of Bachelor Degree in USA (USD)
University of California, Los Angeles (UCLA)	INR 11L – INR 14L	$13,000 – $17,000
University at Buffalo	INR 9L – INR 11L	$10,500 – $12,000
Stony Brook University	INR 9L – INR 11L	$10,500 – $12,000
University at Michigan	INR 12L – INR 15L	$15,000 – $20,000
University of Florida	INR 5L – INR 8L	$6,500 – $9,500

Community Colleges 

College	Cost of Bachelor Degree in USA  (INR)	Cost of Bachelor Degree in USA (USD)
Santa Monica College	INR 5L – INR 7L	$7,000–$9,000
Valencia College	INR 7L – INR 10L	$9,000–$12,000
SUNY Westchester Community College	INR 4L – INR 5L	$5,000–$6,500
SUNY Suffolk County Community College	INR 4L – INR 5L	$5,000–$6,500
SUNY Monroe Community College	INR 4L – INR 5L	$5,000–$6,500

Note: The amount mentioned above may vary due to fluctuations in exchange rates.

Factors influencing the cost of Undergraduate degree in the USA

The cost of a bachelor's degree in the USA varies based on several factors:

1. Type of Institution
   • 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.
2. Location
   Tuition costs and living expenses are higher in major cities like New York or Los Angeles, compared to smaller towns or rural areas.
3. Choice of Program
   Specialized programs like engineering or business tend to be more expensive than programs in arts or humanities.
4. On-Campus vs. Off-Campus Housing
   On-campus housing can be more expensive but more convenient, while off-campus options can vary in cost.
5. International Student Status
   International students usually pay higher tuition fees than domestic students.
6. Financial Aid and Scholarships
   Scholarships and financial aid can significantly reduce tuition and other costs.
7. Additional Fees
   Fees for labs, technology, activities, and health insurance can add up.
8. Living Expenses
   Costs for food, transport, and utilities vary by location. Living in cities is more expensive than in suburban or rural areas.
9. 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.

Estimate your expenses and plan your budget with our comprehensive cost of living calculator for the USA.

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.

For example, by joining the State University of New York Bachelor’s Year 1 Program, you can waive the SAT requirement, saving you both time and stress. 

Here’s how the program can help you save and succeed:

1. 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.
2. 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.
3. Comprehensive Support: The program provides personalized academic counseling, transfer assistance, and visa guidance, ensuring a seamless transition to your next phase of education.
4. 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).

You must also read: 
1) IELTS Common Speaking Topics With Questions And Answers

2) TOEFL Accepting Universities in USA- Your Guide

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.

Also check: F1 Visa Documents Checklist

5. Airfare

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
Dining & Socializing	$1,000 – $2,000 (approximately INR 85K – INR 1.7L) annually

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.

• Estimated Monthly Emergency Fund: $500 – $1,000 (approximately INR 42k – INR 85k)

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.