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How much would it cost to study and work part-time in Australia or the USA, considering my budget of ₹0-3 lakh per year?

24 Sept 2026 · Answered by Saru Sharma · 2 min read
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No, ₹0 to 3 lakh per year is not enough to study in Australia or the USA, where tuition alone often runs ₹15 to 40 lakh a year; part-time work, capped at 48 hours a fortnight or 20 hours a week, cannot cover this gap.

Saru Sharma
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With a budget of ₹0 to 3 lakh a year, studying in Australia or the USA is not realistically possible without a major scholarship, since tuition alone in both countries usually exceeds your entire annual budget several times over. Part-time work can help with pocket expenses once you are there, but it cannot fund your tuition or visa costs upfront.

Australia vs USA: Typical Costs Against Your Budget

Cost ItemAustraliaUSA
Typical tuition per year₹15 to 30 lakh or more₹15 to 40 lakh or more
Living costs per year₹10 to 18 lakh or more₹8 to 18 lakh or more
Part-time work allowedUp to 48 hours a fortnight during studyUp to 20 hours a week, mostly on campus
Fit with ₹0 to 3 lakh a yearNot feasible without fundingNot feasible without funding

Realistic Ways to Make This Work

  • Target a full scholarship: Look for awards that cover tuition and living costs together, not just a partial tuition discount.
  • Consider a funded postgraduate route: Funded master's or PhD programs, especially in the USA, can include a stipend alongside tuition support.
  • Build toward it from India: A low-cost bachelor's in India followed by a scholarship-funded master's abroad needs far less upfront money.
  • Look at lower-cost countries: If studying abroad matters more than the specific country, other destinations bring the funding requirement down significantly.

My Advice

I would not plan around covering tuition through part-time work for Australia or the USA, since visa rules cap your hours and neither country's minimum wage comes close to closing a multi lakh gap. Instead, treat a full scholarship or a funded postgraduate program as your actual entry ticket, and talk to your counsellor about which universities in your field genuinely fund international students at this level.

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