Most Affordable Universities in the USA 2025-26

For many Indian students, finding the cheapest universities in the USA is the key to pursuing higher education abroad without financial strain. Tuition at top US universities can exceed USD 50,000 (₹43.9 lakh) per year, which is out of reach for most middle-class families.

Yet, hundreds of thousands of students are successfully navigating this challenge. According to the Open Doors 2024 Report, a record 331,602 Indian students were enrolled in the U.S. in the 2023/24 academic year, a 23% increase from the previous year. This shows that with the right approach, an American degree is attainable.

The solution is to focus on universities that offer lower tuition without compromising on accredited degrees or career prospects. Here, you will find the most affordable options for 2025-26, along with updated tuition fees, living expenses, and scholarships to make planning realistic and actionable.

Why Study at the Cheapest Universities in USA?

For Indian students, affordable universities in the  U.S. make studying abroad achievable without excessive costs. International students at public universities typically pay an average out-of-state tuition of around USD 24,500 (₹21.5 lakh) per year, while private institutions may charge higher.

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By comparison, top-ranked universities can exceed USD 50,000 (₹43.9 lakh) annually. These universities offer accredited bachelor’s and master’s programs, along with structured internships, co-op opportunities, and dedicated career services such as job fairs, resume workshops, and mentorship programs. This combination allows students to gain practical skills and improve employability while completing their degrees.

 Here are some of the reasons why Indian students should consider studying in the USA:

• Affordable tuition: Average tuition at these universities is around USD 20,000 (₹17.5 lakh) per year, for international students, saving approximately USD 120,000 (₹1.05 crore) over a 4-year degree compared to top-tier universities.
  
• High-demand programs: Accredited programs in engineering, business, computer science, and healthcare are widely available.
  
• Practical experience: Opportunities for research projects, internships, and co-op programs allow students to gain hands-on skills and industry exposure.
  
• Post-study work options: Students can benefit from OPT and CPT, with over 97,500 Indian students participating in OPT in 2023/24.
  
• Facilities and campus support: Access to well-equipped libraries, laboratories, and online resources, along with career centers and mentorship programs.
  
• Multicultural environment: Indian students form a significant portion of the international community, offering peer support, networking, and cultural integration.

These are just some of the many reasons why studying in the USA can be an excellent choice for Indian students.

Top 10 Cheapest Universities in USA for International Students

For Indian students looking to study in the USA, finding affordable universities can be a challenge. However, several top universities in USA offer high-quality education at a lower cost. 

In this section, we have compiled a list of the top 10 cheapest universities in the USA for Indian students based on tuition fees and other factors.

Here is a list of the top 10 Cheapest Universities in the USA for International Students:

The cheapest universities in USA provide quality U.S. education at a fraction of the cost of top-tier institutions. They offer accredited programs, practical learning opportunities, and career support, making it possible for international students to pursue their academic goals without excessive financial pressure.

1. South Dakota State University (SDSU), South Dakota

SDSU offers programs in agriculture, engineering, business, health sciences, and arts. The university has strong internship and research opportunities, particularly in agriculture and engineering. On-campus jobs are available for up to 20 hours/week, helping international students cover personal expenses. SDSU’s campus life is supportive for newcomers adjusting to U.S. education standards.

Expense Category:

Student Tip: SDSU’s town is affordable, with lower rent and grocery costs. Students may need a car for off-campus errands. On-campus transport and student carpools are good options.

2. University of Louisiana at Monroe (ULM), Louisiana

ULM offers programs in business, education, health sciences, arts, and sciences. The university supports out-of-state students with orientation programs and offers on-campus work opportunities for international students.

Expense Category:

Student Tip: ULM has a low cost of living and affordable campus housing. International students can join student organizations to meet peers and navigate local transport.

3. Brigham Young University (BYU), Utah

Brigham Young University offers affordable tuition for members of the Church of Jesus Christ of Latter-day Saints, while still providing practical programs in engineering, business, and computer science. Students benefit from strong mentorship and internship opportunities. International students pay slightly higher tuition but still benefit from one of the lowest-cost options in the U.S.

Expense Category:

Student Tip: Indian students should plan for additional costs like visa processing and initial travel, roughly $2,000 (~₹176,000). Early application to scholarships is crucial since funds are limited for international students.

4. Southwest Minnesota State University (SMSU), Minnesota

SMSU offers affordable programs in business, education, and health sciences. The university has strong small-town industry connections, meaning students often secure internships nearby, reducing commuting costs. On-campus employment is available for up to 20 hours/week, which can help cover personal expenses. SMSU’s smaller student population allows for more individual attention from professors, which benefits international students adjusting to U.S. education standards.

Expense Category:

Student Tip: SMSU’s town has low rent and grocery costs, but transport to nearby cities may require a car. International students should consider local public transport options and student carpool programs.

5.  Southeast Missouri State University (SEMO)

SEMO offers programs in business, education, health sciences, arts, and humanities. The university has strong local industry connections, allowing students to secure internships. On-campus employment helps international students offset living costs, and smaller class sizes provide more personalised support.

Expense Category:

Student Tip: SEMO’s campus is safe and affordable. Public transport is limited, so having a bike or car may help with commuting.

6. University of Southern Mississippi (USM), Mississippi 

USM is ideal for Indian students looking for moderate living costs while accessing research and internship opportunities. Programs in engineering, business, and health sciences are supported by well-equipped labs and faculty mentoring. Students can take part in on-campus research projects that strengthen graduate school or employment applications. Housing on or near campus keeps rent predictable, while student clubs help international students network and integrate socially.

Expense Category:

Tuition & fees are based on full-time non-resident international rates (9–13 credits per semester for PG, 12–19 credits per semester for UG).

Student Tip: USM students can use the campus Career Services to find internships in nearby industries such as healthcare, IT, and marine science, which is particularly valuable for graduate students seeking work experience.

7. University of New Orleans (UNO), Louisiana

UNO offers programs in business, education, arts, sciences, and engineering. The university provides strong local internship opportunities, and international students can access on-campus employment to supplement their income.

Expense Category:

Student Tip: UNO’s campus is in an urban area with easy access to public transport. Students should budget carefully for entertainment and off-campus meals.

8. University of Wyoming (UW), Wyoming

UW offers programs in engineering, business, arts, sciences, and education. International students benefit from research opportunities and on-campus jobs. Living costs are moderate, but winters can be harsh, affecting transportation.

Expense Category:

Student Tip: UW’s town is small and safe, but students should plan for heating costs in winter. On-campus jobs and part-time work are accessible.

9. Northwest Missouri State University (NWMSU), Missouri

NWMSU offers programs in business, education, computer science, health sciences, and arts. The university is known for personalized attention, strong campus support, and accessible on-campus work for international students.

Expense Category:

Student Tip: NWMSU has a supportive campus environment but living off-campus can be expensive. Students should explore roommate options and on-campus employment.

10. California State University (CSU) System, California

The CSU System has 23 campuses across California, offering programs in engineering, business, arts, sciences, and education. CSU emphasizes practical, career-oriented programs, and many campuses have strong industry connections for internships. On-campus employment is available for international students to help cover personal expenses. Tuition and living costs vary slightly by campus, but overall, CSU provides affordable options compared to private California universities.

Expense Category:

Note: The tuition fees mentioned in the table are approximate costs and may vary depending on the course and program.

Students should compare universities by looking at the total yearly cost instead of tuition alone. Some schools have low tuition but higher living expenses, while others balance both. A good approach is to match your budget with the programs you want to study and check if the location offers part-time work or internships. This way, you can find the best value option for your goals.

Why Are These Universities Affordable?

Several factors make these universities more budget-friendly for Indian students in the United States:

1. Credit Hour-Based Tuition – Many universities charge per credit hour. Shorter or lighter programs cost less, allowing students to manage tuition expenses.
   
2. Public vs. Private Funding – Most are public universities receiving state support, keeping tuition lower than private institutions, which often exceed USD 50,000 (₹43.9 lakh) per year.
   
3. Program Type – Degrees in business, education, computer science, and applied sciences are structured to be cost-efficient, while highly specialized research or medical programs generally cost more.
   
4. Residency Considerations – International students pay out-of-state fees, but these remain far lower than top-tier universities’ tuition.
   
5. Location and Living Costs – Smaller cities or towns, such as those in South Dakota, Arkansas, or Missouri, offer lower housing, food, and transport costs.
   
6. Economies of Scale – Larger student populations allow universities to spread facility, faculty, and administrative costs across more students.
   
7. On-Campus Work Opportunities – Many universities provide part-time jobs, assistantships, or co-op programs to offset living costs while gaining practical experience.
   
8. Scholarships and Financial Assistance –
   
   • ULM: Merit-based scholarships reduce tuition by up to USD 5,700 (₹5 lakh) per year.
     
   • CSU System: Offers need- and merit-based aid for international students.
     
   • University of Wisconsin–Madison: While in-state students benefit from state funding, international students pay full out-of-state tuition, which is significantly higher. Planning for these costs is essential to avoid financial surprises.
   • BYU: Tuition is subsidized by the Church of Jesus Christ of Latter-day Saints, making it one of the most affordable private universities.
     

These combined factors allow international students to earn accredited degrees, gain practical experience, and access career opportunities without excessive financial strain.

Living Costs for Indian Students at Affordable U.S. Universities

For Indian students, planning the cost of living in the USA is as important as tuition fees. Living expenses vary by city, lifestyle, and accommodation type. On average, students spend around USD 1,100–1,500 (₹96,600–1.32 lakh) per month, including rent, food, transport, and utilities. Cities like New York, San Francisco, and Boston are at the higher end, while smaller towns like those in South Dakota, Missouri, or Arkansas are more affordable.

Monthly costs for Indian students at affordable universities, based on recent data:

Note: These costs include rent, food, and transportation. Living in smaller towns can save up to 50% compared to major cities like New York, San Francisco, or Boston.

Which cities are the cheapest to study in the USA?

Living costs in big metropolitan areas like New York, Boston, or San Francisco can push overall expenses very high. On the other hand, smaller student-friendly cities offer lower tuition options along with cheaper accommodation, food, and transport.

Affordable Cities and Estimated Monthly Costs

• Springfield, Missouri – USD 900–1,000 (₹79,000–87,800)
  
• Brookings, South Dakota – USD 850–950 (₹74,600–83,500)
  
• Monroe, Louisiana – USD 950–1,050 (₹83,500–92,300)
  
• Mankato, Minnesota – USD 900–1,100 (₹79,000–96,600)
  
• Arkadelphia, Arkansas – USD 800–950 (₹70,200–83,500)
  
• Logan, Utah – USD 950–1,050 (₹83,500–92,300)

Affordable Stay Options

• On-campus housing: USD 3,000–5,000 (₹2.63–4.39 lakh) per semester
  
• Shared off-campus rent: USD 400–600 (₹35,000–52,700) per month
  
• Homestays: USD 700–900 (₹61,500–79,000) per month

Note: All costs are based on an exchange rate of 1 USD = ₹87.84. Actual expenses may vary depending on city, housing choice, and lifestyle.

Students applying to the cheapest universities in USA should focus on the Midwest and Southern cities like Springfield, Brookings, or Arkadelphia. These locations not only have lower tuition but also significantly reduce the living cost in USA compared to major cities. By choosing shared off-campus housing and smaller towns, Indian students can cut overall study expenses by up to 40% compared to coastal universities.

Scholarships For Indian Students In The USA

Indian students can reduce the financial burden of studying in the United States by applying for scholarships in USA. Many universities offer scholarships, grants, and fellowships for international students, including those from India, which can help cover tuition fees and sometimes living expenses. Exploring these opportunities early and meeting deadlines can make studying in the United States much more affordable.

Note: The exchange rate used for the scholarship amounts is 1 USD = ₹88.15 as of September 2025, though values in INR may fluctuate with time.  For Indian students who are aiming for affordable universities in the USA, the most practical scholarships are the Inlaks Shivdasani Foundation Scholarship, the National Overseas Scholarship, the Aga Khan Foundation Scholarship, and the MPower Global Citizen Scholarship. These programs can be applied to a wide range of public universities, including the lower-cost options, making them far more realistic choices than the Ivy League or private school fellowships that are often listed elsewhere.

How to Save Money While Applying to Universities

Applying to universities in the USA comes with hidden costs such as application fees, test fees, document courier charges, and even visa preparation. Indian students can save a significant amount by planning strategically:

• Most universities charge an application fee of USD 50–100 (₹4,408–₹8,815).
• Instead of applying to 15–20 schools, focus on 6–8 universities that match your academic profile and budget. This alone can save USD 300–500 (₹26,445–₹44,075).

• The Duolingo English Test costs USD 65 (₹5,730), much lower than IELTS at USD 245 (₹21,586) or TOEFL at USD 235 (₹20,722).
• Many affordable U.S. universities now accept Duolingo, so using it strategically can save USD 170–180 (₹15,000 approx.) per attempt.

• GRE costs USD 220 (₹19,393), and each additional score report is USD 27–35 (₹2,380–₹3,085).
• Take practice tests before booking your exam to avoid retakes.
• Use free score reports included with the test whenever possible.

• U.S. visa application (F-1/M-1) costs USD 185 (₹16,315).
• SEVIS I-901 fee adds another USD 350 (₹30,853).
• Applying early avoids last-minute errors and prevents paying for re-application.

• Many universities offer waivers during events like Education Fairs or via partnerships with Indian agencies.
• Saving USD 50–100 (₹4,408–₹8,815) per waived application can reduce your total costs significantly.

• Partial tuition scholarships at affordable universities often cover USD 2,000–10,000 (₹1.76–8.81 lakh).
• Applying to universities that openly list international scholarships can reduce both tuition and application costs.

Eligibility Criteria For Scholarships In The USA

To pursue UG, PG and Doctorate studies in the USA with a scholarship, Indian students need to fulfil specific eligibility criteria. Each university may have its own set of requirements, but some basic requirements remain the same.

Here are some of the standard eligibility criteria for scholarships in the USA for Indian students:

1. Academic Records
   

• UG scholarships: 80–90% in Class 12.
  
• PG scholarships: At least 65–70% in bachelor’s.
  
• PhD scholarships: A good master’s degree with research work.

2. Test Scores

• GRE/GMAT: Often needed for PG and MBA scholarships.
  
• English tests: IELTS 6.5–7.5, TOEFL 90–100, or Duolingo 115+.

3. Work Experience

• Needed for MBA scholarships, usually 2–5 years.

4. Documents

• SOP, LORs, Resume/CV, and sometimes a research proposal.

5. Type of Scholarship

• Merit-based: Strong grades and achievements.
  
• Need-based: Proof of family income required.

Extra Costs to Note

• Application fees: USD 50–100 (₹4,400–8,800).
  
• GRE: USD 220 (₹19,400).
  
• GMAT: USD 275 (₹24,200).
  
• IELTS: USD 245 (₹21,600).

University scholarships are easier to get and can cover USD 2,000–10,000 (₹1.7–8.8 lakh). Big programs like Fulbright-Nehru are very competitive, so apply to both types for better chances.

Conclusion

For Indian students, choosing the cheapest universities in USA allows access to accredited programs without excessive financial burden. Combining affordable tuition with cities that have lower living cost in USA can reduce overall expenses by up to 40% compared to coastal metros.

Compare universities based on tuition, scholarship availability, and program strength. Factor in accommodation, food, and transport costs to plan a realistic budget. Selecting universities with practical learning opportunities, internship support, and strong post-study work options ensures that your investment translates into career readiness and professional growth.

For guidance on selecting the right universities, comparing tuition and scholarships, or planning your study-abroad budget, Leap Scholar advisors can provide practical insights based on Indian students’ needs. This ensures your decisions are realistic, cost-effective, and aligned with your academic and career goals.

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