Can I Study in the USA with a Budget of 20 Lakh NPR? Here's the Real Breakdown

One of the most common questions we receive from Nepali students is:

“My parents can only afford around 20 lakh NPR for my study in the USA. Is it really possible?”

Well, let’s clear the confusion once and for all — yes, it is possible, but it needs smart planning, the right university selection, and some additional backup of 2–3 lakh NPR, just to stay safe. That means within 22–23 lakh NPR, you can pay your full first-year tuition and survive in the USA as a bachelor’s student.

Let’s break it down step by step so you know where your money goes and how to manage.

💡 Key Facts:

1. You only need to pay first semester tuition before visa.
2. From second semester onward, you can cover costs through:
3. On-campus job (allowed for F1 students)
4. Scholarships (which can reduce tuition drastically)
5. USA universities allow semester-wise payment.
6. Students with IELTS 6–6.5 and GPA 2.5+ (ideally 3.0+) can receive partial scholarships even from public universities.

💰 Breakdown of Costs (Realistic Calculation)

✅ Is 20 Lakh NPR Enough?

If you plan very wisely, you can start the process with 20 lakh NPR, but we highly recommend having an additional 2–3 lakh as a safety margin.

Here’s why:

1. You only pay 1st semester tuition before visa, not both.
2. You’ll carry only 2 months’ living cost (NPR ~2 lakh).
3. After reaching the USA, you can:
4. Start on-campus job (allowed up to 20 hrs/week)
5. Earn $500/month → helps you cover rent + food
6. Save for 2nd semester tuition while studying

💼 How Students Manage from Second Semester

Most Nepali students in the USA manage their education after the first semester using:

1. On-campus part-time job ($3,000 – $4,000/year)
2. Merit-based scholarships (maintain GPA!)
3. Optional family support (NPR 1–2 lakh if needed)

From second year onward, students usually become financially independent.

📌 Summary: Is It Possible?

Final Words:

With a total budget of 22–23 lakh NPR, students can confidently begin their undergraduate journey in the USA — even by paying the full first-year tuition fee. You just need the right guidance, university choice, and commitment.