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Moving to the United States

Moving to the United States as an international student is a thrilling adventure, but it’s not without its challenges. Beyond securing your spot at a top university, there’s a maze of visas, paperwork and preparations to navigate. You’re not just packing your bags for a trip – you’re setting up life in a new country. From understanding the student visa process to adjusting to a completely new culture, this article will walk you through everything you need to know to make your move smooth, smart and stress-free.

Understanding the process: The basics

Before packing your bags and booking a flight, it’s essential to understand the formal process and legal requirements for moving to the U.S. as an international student.

1. Securing admission to a U.S. institution

The first step in moving to the United States for study is gaining admission to a U.S.-based university. Once admitted, you’ll need to ensure your institution is certified by the Student and Exchange Visitor Program (SEVP). Upon acceptance, the school will provide you with a Form I-20, which is required for your student visa application.

2. Applying for an F-1 student visa

The F-1 visa is the most common type of U.S. student visa for international students in the U.S. Here’s a brief overview of how to apply for an F-1 visa:

  • Pay the SEVIS fee: The Student and Exchange Visitor Information System (SEVIS) fee must be paid to register your I-20 form. This fee is non-refundable.
  • Complete the DS-160 form: This is the online application form for non-immigrant visas. You will need to submit a digital photo as part of the application.
  • Schedule a visa interview: Once you’ve completed the DS-160 form, schedule an interview at the nearest U.S. embassy or consulate. Wait times can vary, so it’s important to apply early.
  • Prepare for the interview: Gather all necessary documents, including your passport, I-20 form, financial documents, SEVIS fee receipt, visa application fee receipt and academic transcripts.

3. Financial proof and planning

During the visa process, you’ll need to provide evidence of your ability to financially support yourself during your stay. This includes covering tuition, living expenses, health insurance and travel costs. Be prepared with bank statements, private loan support, affidavits of family support and/or scholarship letters.

4. Health insurance requirements

The U.S. does not have a national healthcare system, and international students are required to have health insurance. Some universities offer their own health insurance plans, but you may need to purchase private insurance if your school doesn’t provide coverage. Ensuring you have proper international student health insurance before arriving is critical.

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Explore Immigration Tips

Have questions about the visa process? MPOWER’s visa resources are for students like you.

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Practical tips for moving to the United States

Once you’ve completed the formalities, it’s time to focus on the practical aspects of studying overseas. Here are some tips for international students preparing to live and study in the U.S.

1. Find accommodations before arriving

  • University housing: Some U.S. universities offer on-campus housing options for international students, which can simplify your transition. However, space may be limited, so apply early.
  • Off-campus housing: If you plan to live off campus, research affordable options in advance. Websites like Zillow, Apartments.com, or Facebook groups can help you find listings. Be aware of housing scams targeting international students. Typically, off-campus housing is more common for postgraduate students.
  • Roommates: Many international students opt to share an apartment with roommates to reduce costs. Check with your university if they have a roommate-matching service or online groups for students seeking shared housing.

2. Understanding the cost of living

Living in the U.S. can be expensive, especially in major cities. Beyond tuition, you need to budget for rent, food, utilities, transportation and personal expenses. Budgeting for college students can be tough at first, but with consistency and tracking, you’ll be in a better position to manage your finances.

3. Set up a bank account

Opening a U.S. bank account is highly recommended for managing your finances and avoiding foreign transaction fees. Look for banks offering student accounts with no fees. Major banks like Chase, Bank of America and Wells Fargo have branches across the U.S. and offer student-friendly options. Bring your passport, visa, I-20 form and proof of U.S. address when opening an account.

4. Get a cell phone plan

Arriving in the U.S. without a functional phone can make navigating your first few days challenging. Research cell phone carriers offering student plans with affordable data, calling and texting. Prepaid SIM cards are also a good option for international students, especially if you’re unsure how long you’ll stay in the U.S. Carriers like T-Mobile, Mint Mobile and AT&T have options for short-term plans.

5. Navigate transportation

  • Public transportation: Many U.S. cities have robust public transportation systems, but they vary by region. Look up local bus, subway or train routes near your university.
  • Car ownership: If you plan to buy or lease a car, you’ll need to get a driver’s license. Research the driving laws and requirements for your state and be prepared to purchase car insurance.
  • Ride-sharing apps: Services like Uber and Lyft are widely available and can be a good temporary solution for getting around until you understand the local transportation options.

Preparing for cultural and academic differences

Embracing academic culture

U.S. academic culture may be different from what you’re used to. Classes often encourage active participation, creative thinking and group work. This may not necessarily be new to you, but often, it can be for international students. Familiarize yourself with the academic expectations at your school, including plagiarism policies, which are strictly enforced in U.S. universities.

Overcoming culture shock

Moving to a new country comes with a degree of culture shock. While the U.S. is diverse, cultural norms, communication styles and even daily routines might differ from what you’re used to. Some tips for managing culture shock include:

  • Join student organizations: Many universities have international student groups that help you connect with other students in similar situations.
  • Get involved in campus life: Extracurricular activities are a great way to make friends and immerse yourself in the local culture.
  • Stay connected with home: Keeping in touch with family and friends back home can provide comfort as you adjust to your new environment.

Know your legal rights and responsibilities

As an international student, it’s important to know your legal rights and obligations (such as repayment to education loan providers) . Be aware of visa regulations, work restrictions (such as the 20-hour weekly limit on campus), and the process for renewing your visa or transitioning to Optional Practical Training (OPT) after graduation. Violating visa conditions can lead to penalties, including deportation.

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MPOWER Financing: Supporting your move to the United States

MPOWER Financing believes funding a student’s education is only the first step to success – not the last. That’s why every MPOWER student gains access to exclusive career, visa and financial resources through its Path2Success program.

Here’s how MPOWER’s Path2Success program supports international students moving to the United States:

Visa support

MPOWER helps students understand and navigate elements of the F-1 visa process, including their visa interview.

MPOWER’s visa support services include:

  • A free visa support letter demonstrating a student is financially supported for school
  • A free visa essentials course, so students are fully prepared for their visa interview

Visa support upgrades

Also, MPOWER offers personalized mock interviews and live Q&A webinars for students who want additional support (US$99 fee required). For an additional fee, MPOWER students also have access to speak with former U.S. visa officers.

Career services

MPOWER Financing recognizes the significance of securing a professional career in the United States. Students are not alone in this journey – MPOWER is here to support the internship and full-time job search.

MPOWER offers exclusive career services including:

  • A guided internship and job search tool for F-1, OPT and H-1B visa-sponsored roles
  • A resume builder to match targeted job requirements
  • Job application support with profile and skill set match
  • A directory of F-1 eligible job roles for STEM and non-STEM degrees

Financial services

MPOWER enables students to access U.S. currency as soon as they arrive at their university, allowing students to hit the ground running. Here’s what’s available:

  • A prequalified U.S. credit card with cashback benefits
  • A prequalified, no-minimum-balance U.S. bank account

Exclusive discounts

As soon as students e-sign their loan offer, they’ll unlock discounts on mobile SIM cards, textbooks and air travel through our partners. They’ll also receive frequent emails with detailed guidance and insider tips about starting at university and accelerating their path to success.

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FAQs

What documents do I need to apply for an F-1 visa?

You will need a valid passport, Form I-20 from your SEVP-certified school, financial documents proving your ability to cover expenses, proof of payment for the SEVIS and visa application fees and academic transcripts.

Can international students work while studying in the U.S.?

Yes, but work is generally limited to on-campus employment for up to 20 hours per week during the academic term. Off-campus employment may be available through OPT or Curricular Practical Training (CPT), but these options require approval.

What is the SEVIS fee, and do I need to pay it?

The SEVIS fee supports the system that tracks international students and exchange visitors in the U.S. You must pay this fee before applying for your visa.

How can I prepare for cultural differences in the U.S.?

Be open-minded and proactive in learning about American culture. Join student organizations, attend campus events and don’t hesitate to seek help from your university’s international student office to smooth your transition into U.S. university life.

*Rates as low as 9.99% (10.89% APR) available only for the fall 2025 semester, and you must submit your application by January 31, 2025. This interest rate and APR includes a 0.25% discount for automatic recurring payments and a 0.75% discount from our limited-time early planner promotion.

DISCLAIMER – Subject to credit approval, loans are made by Bank of Lake Mills or MPOWER Financing, PBC. Bank of Lake Mills does not have an ownership interest in MPOWER Financing. Neither MPOWER Financing nor Bank of Lake Mills is affiliated with the school you attended or are attending. Bank of Lake Mills is Member FDIC. None of the information contained in this website constitutes a recommendation, solicitation or offer by MPOWER Financing or its affiliates to buy or sell any securities or other financial instruments or other assets or provide any investment advice or service.

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