The Decision

So, you’re thinking whether or not to pursue your Masters in the US. These facts will help you make a decision.

  1. The process takes about a lakh (in INR) before you even get a decision from the university and three before you board your flight.
  2. The total estimate of your study in the US in a good university is 40+ lakh INR.
  3. You might even have to come back (to India) after you graduate, in which case, you may have to spend your 5+ years salary to repay the loan.
  4. You may have to take a loan on collateral (be aware that your assets may be confiscated if you can’t repay in time).
  5. Your parents/supporters have to pay interest towards your loan and your living expenses every month (40,000* + 40,000 = 80,000 INR) unless you get an on-campus job. (* varying)
  6. Some universities give you an option to defer your admission. If you’re in a dilemma, you can always proceed when the time is right.

If you still feel adventurous, continue reading (assuming you have a VALID PASSPORT).

You must know these before we proceed any further  :

  1. The universities commence during Fall or Spring seasons. If you’re applying for the Fall semester, that means that you’ll join the university in August while Spring implies joining in January.
  2. Students prefer Fall to Spring because of two important reasons – a) Not all universities offer programs in Spring and b) Students usually graduate in June and so, opting to apply for Fall is a wise choice without idling the following six months.
  3. Universities are categorized into public and private.
  4. Public universities are undertaken by the state governments in US. The fee is usually lower compared to the private universities and hence, admissions are competitive. Some popular public universities include University of California system and the University of Illinois at Urbana-Champaign.
  5. Private universities are not operated by governments. Some popular private universities include Ivy leagues, Stanford and Carnegie Mellon.



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