The cost estimate on your I-20 is a starting point. Your real budget depends on your city, where you live and how often you eat out.
What “cost of attendance” includes
- Tuition and fees
- Housing and food
- Health insurance
- Books and supplies
- Personal and transport costs
A sample monthly plan
| Item | Estimate (mid-cost city, shared housing) |
|---|---|
| Rent | $800–1,100 |
| Groceries | $300–400 |
| Phone | $15–40 |
| Transit | $0–90 with student pass |
| Personal | $100–200 |
These are planning estimates. Check local rent listings for your city.
Ways to spend less
- Use student discounts on transit, software and museums
- Rent or buy used textbooks
- Cook with roommates
- Use your campus food pantry if money gets tight
- Work on campus within F-1 limits
