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Decoding MS in the USA: Your Budget Guide for Indian Students



Decoding MS in the USA

Decoding MS in the USA: Your Budget Guide for Indian Students

 Embarking on the journey of pursuing a Master’s degree in the USA is a significant step towards academic and career growth. However, understanding and preparing for the associated costs is crucial for a smooth transition. In this guide, we break down the expenses, providing valuable insights for Indian students planning to pursue MS in the USA.


  1. Graduate Record Examination (GRE) Exam Fee: Initiating your MS journey often starts with the GRE exam, a pivotal factor in the application process. Understanding the importance of thorough preparation, the exam fee stands at $220 (INR 22,500). Additionally, some may opt for a retake, incurring an additional $220 (INR 22,500).
  1. You can skip the GRE but not TOEFL or IELTS: While the GRE might be optional for some applications, TOEFL or IELTS is mandatory. Consider these exams as your passport to the United States. The TOEFL exam costs $200 (INR 16,900), and the IELTS is priced at $195 (INR 16,200).
  1. Applying to US universities: Application fees range from $50 (INR 4,150) to $100 (INR 8,300) per university. Considering additional costs for sending official test scores (GRE and TOEFL) through ETS, an average application expense amounts to $110 per university. For 10 universities, this totals $1,100 (INR 91,400).
  1. Other Expenses During Applications:

a) Counselling: Seek professional guidance at an average cost of Rs. 25,000 (Exempted for 5Lands overseas patrons)

b) Documents and Dispatch: Expenses for transcripts, bank statements, affidavits, and dispatching them to universities approximate around Rs. 12,000.

c) Miscellaneous Charges: Varied charges like late registration, rescheduling, etc., may incur, amounting to approximately $20-$160 each (INR 1,680-13,300)


     5.VISA: Upon receiving your I20, essential for your stay in the US, VISA procedures commence. The VISA fee is $160 (INR 13,300), followed by the SEVIS fee at $200 (INR 16,600).

   6.Flight Tickets: Economy class airfares range from Rs. 60,000 to Rs. 80,000 for a one-way trip and Rs. 1,20,000 to Rs. 1,60,000 for a return journey.


  1. Tuition Fee: Varied across universities and courses, the average tuition fee is USD 40,000 (INR 33,00,000) for a two-year MS program. Scholarships or financial aid may reduce these costs.
  2. Living Expenses: Living expenses, influenced by factors like location and housing, average between $500 to $1100 per month. Over a 2-year course, this totals around $16,000 (INR 13,30,000).


Table: Summary of Expenses (All amounts in INR)

Expense Amount
GRE Exam Fee (1 attempt) 22,500
GRE Retake 22,500
TOEFL Exam 16,900
IELTS Exam 16,200
Application Fee per University 9,140
Documents and Dispatch 12,000
Miscellaneous Charges (Estimate) 11,840
VISA Fee 13,300
SEVIS Fee 16,600
One-way Flight (Avg.) 80,000
Return Flight (Avg.) 1,60,000
Tuition Fee (2-year program) 33,00,000
Living Expenses (2 years) 13,30,000


Conclusion: Understanding the intricacies of MS expenses is pivotal for a successful academic journey. At 5Lands Overseas Consultancy, we offer personalized guidance to help you navigate through these costs, ensuring a smooth transition towards your educational aspirations.

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Study in Poland for International students : Universities, Courses, Fees etc.



study in poland

Study in Poland: A Celebration of Life and Learning

Poland isn’t just a place to study; it’s a celebration of life! For Indian students, study in Poland offers a unique blend of academic rigor and cultural richness.

Important Facts about Poland:

  • Official Name: Republic of Poland (short form: Poland), Rzeczpospolita Polska” (short form in Polish: Polska)
  • Official Language: Polish
  • Political System: Parliamentary republic with a multiparty democracy and a two-chamber parliament
  • Location: Central Europe, bordered by Germany, the Czech Republic, Slovakia, Ukraine, Belarus, Lithuania, and Russia (Kaliningrad enclave). The northern border (440 km) runs along the Baltic Sea coast.
  • Capital City: Warsaw (Warszawa) with a population of 1.7 million (2.5 million in the Warsaw metropolitan area).
  • Major Cities: Krakow, Łodź, Wrocław, Poznań, Gdańsk, Szczecin, Bydgoszcz, Lublin, Katowice, Bialystok.
  • Area: 312,685 sq km, making Poland the ninth largest country in Europe and the sixth largest in the European Union.
  • Population: 38 million, the seventh largest population in Europe and the sixth largest in the EU.
  • Time Zone: Central European Time Zone (GMT + 1 hour / UTC + 1 hour), switching to daylight saving time between the last Sunday in March and the last Sunday in October.
  • Climate: Moderate continental climate with relatively cold winters (December to March) and hot summers (June to August).
  • Currency: Polish zloty

Why Poland is an Ideal Destination for International Students

Poland, as a country, is known for its rich history, vibrant culture, and welcoming people. When I first arrived at the University of Social Sciences and Humanities (WSGE), I was pleasantly surprised by the warm and friendly reception from both the staff and students.

  • Famous Figures: Poland is the birthplace of notable figures such as scientist Marie Curie, composer Frederic Chopin, and astronomer Nicolaus Copernicus.
  • Historical Sites: Home to three of the most infamous Nazi concentration camps: Belzec, Treblinka, and Auschwitz-Birkenau.
  • Nobel Laureates: Includes Nobel Peace Prize winner Lech Walesa (1983), literature laureates Henryk Sienkiewicz (1905) and Wislawa Szymborska (1996), and Andrew V. Schally, who won the Nobel Prize in Physiology or Medicine (1977).


 Key Attractions for Students in Poland

  1. Stunning Natural Scenery: Poland boasts breathtaking landscapes, from the Tatra Mountains to the Baltic Sea.
  2. Comprehensive Courses: The country offers a wide range of well-structured courses in various fields.
  3. Part-Time Job Opportunities: Students can find numerous part-time jobs to support themselves financially.
  4. International Community: You’ll meet friends from all around the globe, enriching your cultural experience.

Top Reasons to Study in Poland

  1. Long-standing Educational Tradition: With over 650 years of teaching history, exemplified by the Jagiellonian University founded in 1364.
  2. Modernity: Poland ranks fourth in Europe for the number of students enrolled in higher education, with over 100 university-type institutions and more than 200 high-quality study programs. Many institutions offer courses in foreign languages, supported by modern infrastructure such as lecture halls, laboratory equipment, libraries, and dormitories.
  3. Innovative Contributions: Polish inventors have created groundbreaking inventions like the bulletproof vest, windscreen wipers, graphene, the movie projector, the Hyperion Rover for space exploration, and the Melex electric vehicle.
  4. Bologna Process: Education in Poland follows the three-stage Bologna Process (Bachelor/Master/Doctor), with the European Credit Transfer System ensuring that diplomas are recognized worldwide.
  5. High Quality of Education: Education quality is regularly monitored by the Polish Accreditation Committee (PAC). Poland offers over 5,000 courses, many of which have received an “outstanding” rating from PAC.
  6. Affordable Living and Tuition Costs: Compared to other EU countries, Poland offers competitive tuition fees (around €2,000 per year on average) and affordable living costs (approximately €350 per month).
  7. Studying in English: There is a growing number of programs and courses available in English, with over 300 currently offered at Polish universities and a wider range of over 700 programs.

Key Facts About Higher Education in Poland

  • Number of Universities: Over 400 higher education institutions, the largest number in Europe, including 134 public universities (over 70% of students) and 285 non-public institutions.
  • Student Population: Nearly 1.5 million students, one of the highest enrollment rates globally.
  • PhD Candidates: Over 40,000 PhD candidates.
  • Academic Staff: Around 170,000 employees, including 100,000 academics.
  • International Students: Over 52,000 foreign degree students, with numbers increasing yearly, and an additional 12,000 incoming Erasmus students.


Popular Universities and Courses

  • Top Universities to Study in Poland: University of Warsaw (#366), Jagiellonian University (#431-440), Warsaw University of Technology (#601-650), Nicolaus Copernicus University (#701+), University of Wroclaw (#701), University of Lodz (#701+).
  • Popular Courses to Study in Poland: Engineering & Technology, Medical, Social Science & Economics, Agriculture & Life Sciences, Humanities, Arts.

Admission Requirements for Bachelor’s Candidates

  • Notarized secondary school certificate or official duplicate.
  • Completed application form.
  • Four passport-size photographs.
  • Copy of candidate’s ID (passport).
  • Medical certificate with no contraindications for studying.
  • Admission fee payment receipt.
  • English proficiency: TOEFL (550 – 587 paper-based, 213 – 240 computer-based, 79 – 95 Internet-based) or IELTS (6.0/6.5) unless high school courses were taught in English.

Tuition Fees and Living Costs

  • Tuition Fees: Range from €2,000 to €6,000 per year, depending on the institution and program (MBA programs cost about €8,000-12,000 per year).
  • Living Costs: Average costs range from €350 to €550 per month.

Intakes and Application Deadlines

  • Intakes: February and October.

Work Opportunities During and After Studies

  • Part-Time Work: 20 hours per week during studies and full-time during holidays.
  • Full-Time Work: Permitted for Residence Card holders.
  • Post-Graduation: Students can stay for an additional 2-3 years if they can support themselves financially. Those who secure a job can obtain a Work Permit and apply for a Blue Card, which is initially valid for 2 years and can be extended for another 3 years.

Visa Requirements

  • Visa Types: Poland offers several types of visas, including “A,” “C,” and “D” types. Poland is part of the Schengen zone, allowing visa holders to travel across most European countries.
  • General Rule: A visa is required to enter Poland, with some exceptions depending on the country of origin.
  • Poland is a country rich in history, culture, and educational opportunities, making it an ideal destination for international students. Whether you’re seeking a high-quality education, affordable living costs, or a vibrant cultural experience, Poland offers it all.For more details and to study in Poland Contact us: +91 7416905590
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Best Universities for Masters in UK – 2024 Complete Guide



best universities for masters in uk

Study in UK for Masters

Why Study in the United Kingdom?

Studying in the UK offers a wide array of benefits for both undergraduate and postgraduate students. The UK’s educational system is renowned for its excellence, and qualifications from UK universities are recognized globally. Here are some of the key advantages of pursuing your education in the UK:

Benefits of Studying in the UK:

  1. Internationally Recognized Universities and Qualifications:  UK universities are globally respected for their high academic standards and innovative teaching methods. Degrees from these institutions are recognized and valued by employers worldwide.
  2. Quality Education:  The UK has a long-standing tradition of providing high-quality education. With a strong focus on research and practical knowledge, students are equipped with skills that are relevant to the industry.
  3. Scholarships and Financial Support:  Many UK universities offer scholarships and financial aid to international students, helping to make education more affordable.

Costs and Expenses:

  • Average Tuition Fee: GBP 13,600 per year.
  • Average Living Costs:
    • Outside London: GBP 9,135 per year.
    • Inside London: GBP 11,385 per year.
    • Living expenses typically include accommodation, food, transportation, and other personal costs.

English Language Requirements:

  • IELTS: Minimum score of 6.5 overall (with no less than 6.0 in each section) for postgraduate studies and 6.0 (with no less than 5.5 in each section) for undergraduate studies.
  • TOEFL: Minimum score of 90 (Internet-Based Test) for postgraduate and 80 (Internet-Based Test) for undergraduate studies.
  • PTE: Minimum score of 56 overall for postgraduate and 54 overall for undergraduate studies.
  • Exemptions may be possible for students who scored above 60% in English in their XII std. (English Medium) and if their medium of instruction throughout school and college was English for 2018/2019 pass-out students.

UK Admission Process:

  1. Application Submission: Submit the required documents to the university.
  2. Interview: Some universities may require an interview via Skype or telephone before admission or after receiving the offer letter and fee payment.
  3. Offer Letter: Upon clearing the interview, an offer letter is issued.
  4. Fee Payment: Pay 50% or the total fee.
  5. Visa Funds: Ensure you have sufficient funds for the remaining tuition fee and GBP 10,000 for living expenses (in FD or savings, 28 days old funds).
  6. Medical Examination: Complete the required medical tests.
  7. CAS Letter: Send the fee payment receipt to the university to receive the CAS letter.
  8. Visa Application: Apply for a visa online and submit original documents at a nearby VFS office.

Required Documents for Admissions:

  • Passport
  • Resume/CV
  • 10th and 12th mark sheets
  • Bachelor’s mark sheets (Consolidated Marks Memo, Provisional Degree Certificate, individual memos, degree)
  • IELTS/TOEFL/PTE scorecards
  • Medium of Instruction letter (if applicable)
  • Letters of Recommendation (minimum two academic)
  • Statement of Purpose (based on course)
  • Work experience documents (if applicable: offer letter, pay slips, experience letter, relieving letter, salary bank statements of 3 months)

Work Opportunities:

International students enrolled in full-time undergraduate and postgraduate programs can work up to 20 hours per week during term time and up to 40 hours per week during vacations.

Popular Courses:

  • Management
  • Engineering
  • Law
  • Tourism
  • Healthcare
  • Media
  • Nursing

Best Universities for Masters in UK:

best universities for masters in uk

Accommodation Types:

  1. University campus hostel
  2. Private housing/room
  3. Private hostels

Visa Information:

  • Type: Tier 4 General Student Visa
  • Duration: Total study duration + 2 years post-study

Application Timing:

  • From Outside the UK: Apply up to 6 months before your course starts. Typically, you will get a visa decision within 3 weeks.
  • From Inside the UK: Apply up to 3 months before your course starts and before your current visa expires. Decisions usually take up to 8 weeks.

How Long You Can Stay:

  • Degree Level Courses: Up to 5 years.
  • Below Degree Level Courses: Up to 2 years.

Travel to the UK:

  • For Courses Lasting 6 Months or Less: Arrive up to 1 week before the start date.
  • For Courses Lasting More Than 6 Months: Arrive up to 1 month before the start date.

Visa Fees:

  • Application Fee: GBP 490 to apply for a student visa from outside or inside the UK.
  • Health Insurance (HIS): GBP 400 per year, payable for the entire study duration before the visa application.

By considering these factors, you can effectively plan your study abroad journey in the UK and make the most of the educational and career opportunities available. Good Luck on your UK journey!

Contact us for the Best Overseas Consulting Services in Hyderabad: +91-7416905590

Email id: [email protected]


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Masters in the USA for Indian Students -2024



Masters in the USA for Indian Students

Advantages of Pursuing Higher Education in the USA

By pursuing higher education in the USA, students can gain a world-class education, develop valuable skills, and build a strong foundation for their future. Here’s a complete guide for Masters in the USA for Indian Students.


As a student in the USA, you have the flexibility to balance work, extracurricular activities, and your studies. This includes the option to take classes at night, which is particularly beneficial if you have a job or family responsibilities during the day.

Advanced Technology and Resources:

The USA is renowned for its cutting-edge technology and resources. Students have access to the latest tools and equipment, helping them stay current with industry standards and enhancing their learning experience.

Research Opportunities:

American universities are known for their strong support for research. Students are encouraged to participate in various research projects, fostering a culture of innovation and critical thinking.

Vibrant Campus Life:

Campus life in the USA is vibrant and diverse, offering numerous activities and student clubs. Universities often resemble small cities, providing ample opportunities for personal growth and cultural exchange. Students can enjoy a rich social life and are exposed to a multitude of cultures and perspectives.

High Standard of Living:

The USA offers a high standard of living, with top-notch amenities, modern infrastructure, and advanced transportation systems. The quality of life in American cities is among the highest in the world.

Global Recognition:

A degree from a US university is recognized and respected worldwide, providing a significant advantage in the global job market.

Support for International Students:

US universities are welcoming to international students, offering extensive support through dedicated offices and clubs that cater to students from various countries.


 Overview of the US Education System:

Masters in the USA for Indian Students



Diversity of Institutions:

The USA boasts around 4,500 accredited higher education institutions, offering a diverse range of programs and specializations. It’s crucial to carefully choose the right institution to match your academic and career goals.

Undergraduate Degrees:

Community colleges in the USA offer associate degree programs, typically lasting two years. A full-time four-year undergraduate program leads to a bachelor’s degree.

Graduate Degrees:

Master’s degree programs generally take two to three years to complete, though some can be finished in one year. Doctoral programs, on the other hand, can take between five to eight years.

Credit System:

Both public and private universities in the USA operate on a credit system. Students earn credits for the courses they complete, which count towards the fulfillment of their degree requirements. Courses are divided into core subjects for foundational knowledge and major courses for specialization. Elective courses are also available, allowing students to pursue interests outside their major.

Academic Calendar:

The typical academic year runs from September to May, divided into two semesters of 16-18 weeks each. Some institutions use a quarter or trimester system with terms lasting 10-12 weeks.

Grading System:

The Grade Point Average (GPA) system is used to evaluate student performance, ranging from 0.0 to 4.0.

Pre-Departure Expenses for an MS in the USA

  1. GRE Exam Fee: The GRE exam, a common requirement for MS applications, costs $205. Retaking the exam incurs the same fee.
  2. TOEFL Exam Fee: The TOEFL, required to demonstrate English proficiency, costs $170. IELTS is an alternative to the TOEFL.
  3. University Application Fees: Application fees vary between $50 and $100 per university. Additionally, sending official test scores costs $47 (GRE: $27, TOEFL: $20). On average, applying to 10 universities costs around $1,100.
  4. Other Application Expenses: These can include counseling fees (averaging Rs. 25,000), transcript fees, bank statements, affidavits, and dispatching documents, totaling approximately Rs. 12,000. Additional charges may apply for late registration, score reinstatement, sectional reviews, or rescheduling, adding up to INR 7,400.
  5. VISA Fees: The visa process involves paying a $160 visa fee and a $350 SEVIS fee, totaling INR 36,640.
  6. Flight Tickets: One-way economy class tickets range from Rs. 40,000 to Rs. 60,000, while return tickets cost between Rs. 60,000 and 90,000/-.

Expenses While Studying in the USA:


Masters in the USA for Indian Students


Tuition Fees: Tuition fees vary widely by university and program. On average, tuition for a two-year MS program is around $40,000 (INR 29,60,000). Scholarships and financial aid can help reduce these costs.

Living Expenses: Living expenses depend on location, apartment size, number of roommates, and proximity to the university. On average, students spend between $500 to $1,100 per month, amounting to approximately $15,000 (INR 11,10,000) over two years. Many students offset living costs through assistantships and internships.

By understanding these aspects of studying in the USA, prospective students can better prepare for their educational journey abroad, ensuring a successful and enriching experience.


 Life in the USA: Health and Safety for International Students:

Life in the USA: Life in the United States is often seen as a dream for many people around the world, largely due to the emphasis on freedom and quality of life enshrined in the US Constitution. The culture in the US values meritocracy, meaning that individuals are rewarded based on their abilities and efforts. This approach encourages international students to engage actively with both American natives and fellow international students, fostering an enriching cultural exchange.

By interacting with American students and professors, international students can gain a deep understanding of American culture, history, and traditions. Indian students, in particular, can choose between living in dormitories (similar to hostels in India) or private accommodations. It is advisable to live close to your university or near a university shuttle bus or metro station for convenience and safety.

Weather in the USA: The weather in the USA varies widely depending on the location. As you prepare for your stay, it’s important to research the climate of your specific destination. The USA’s vast geography means you could experience everything from extreme cold to intense heat, often within the same state.

Health in the USA: Healthcare in the USA is costly, making health insurance a necessity. It is mandatory for international students to have medical insurance while pursuing higher education in the US. Most universities offer general medical care on campus at relatively low costs. If you are studying under scholarships like USAID or Fulbright, specific health insurance policies will be provided. Universities usually offer several insurance options tailored to the needs and budgets of international students.

Safety in the USA: Safety is a paramount concern for students studying abroad. US institutions are required by federal law to disclose campus crime statistics, which are available on their official websites. Universities prioritize the safety of their students by providing services such as late-night escort services and designated safe spots for emergencies. Many campuses also have their own police force to ensure a quick response to any incidents. It’s crucial to research the safety measures and crime statistics of the locality where you plan to stay.

Popular Cities and Courses in the USA

Top Cities for Study:

  • New York
  • San Francisco
  • Los Angeles
  • Boston
  • Chicago
  • Washington DC
  • Seattle
  • Austin

Popular Courses:

  • Technology & Engineering: Computer Science, Computer Engineering, Telecommunications, Mechanical Engineering, etc.
  • Journalism
  • Medicine
  • Psychology
  • Business and Management
  • Marine Biology and Life Sciences
  • Fine Arts: Music, Painting, Poetry, Acting, etc.

Work Opportunities in the USA:


Masters in the USA for Indian Students

States with High Employment Levels:

  • Michigan
  • California
  • Texas
  • Ohio
  • Illinois
  • New York
  • Massachusetts
  • Virginia
  • Pennsylvania
  • Florida
  • Colorado
  • Indiana

University Application Process for MS in the USA

Number of Universities to Apply To: There is no fixed number of universities you should apply to, but financial considerations are significant. On average, each application costs around $100. Here’s a breakdown of the costs:

  • Online application form: Approximately $60 (varies from $50 to $100)
  • Reporting GRE scores through ETS: $23
  • Reporting TOEFL scores through ETS: $17

Most students apply to 8-10 universities, categorized as follows:

  • Ambitious: Universities with low acceptance rates.
  • Moderate: Universities with medium acceptance rates.
  • Safe: Universities with high acceptance rates.

Ideal Time to Apply for MS Programs

Fall or Spring Intake: For the Fall intake, start the application process by November. For the Spring intake, start by September. It’s crucial to have all documents ready by these times.

Application Deadlines:

  • Fall intake deadlines: Typically mid-December, with some universities extending to January or March.
  • Spring intake deadlines: Between September and November.


Financial Aid Consideration: Apply before the financial aid deadlines to be eligible for scholarships or financial aid. Good universities often start reviewing applications as soon as they receive them, a process known as “Rolling Admission.”

Required Documents for MS   Applications

  1. Cover letter
  2. Official transcripts
  3. Resume
  4. Attested marksheets
  5. Attested photocopy of the passport
  6. Attested GRE and TOEFL scorecards
  7. Bank statement
  8. Affidavit
  9. Letters of Recommendation

By understanding these aspects of life, health, and safety in the USA, and by carefully preparing for the application process, international students can ensure a smooth and successful transition to studying in the United States.


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