Countries Where International Students Struggle the Most

Studying abroad is fun, however, we should be honest, not everything is Instagrammable and studying in a coffee shop. The true battle behind the dream is dealing with money, working through visas and adapting to a new way of life.

Whether you’re planning to study in USA as an international student or eyeing universities in Canada, Australia, or the UK, it’s crucial to know where students face the most challenges, and why.

Avoid Costly Surprises, Plan Ahead

Why Is It So Hard to Study in the USA as an International Student?

The U.S. remains a top destination, but it comes with steep living costs, strict visa policies, and complex admission processes. The F-1 visa requires proof of financial stability, and international students cannot work off-campus freely.

Tuition can range from $20,000 to $50,000 per year depending on the university. That’s not counting housing, health insurance, and textbooks.

Here’s an average monthly living expenses in USA for international students:

While studying in the USA as an international student can be expensive, the return on investment is one of the highest globally. The U.S. is home to top-ranked universities, cutting-edge research facilities, and strong industry connections.

Is the Cost of Living in Canada Becoming Unaffordable for Students?

Yes, especially in major cities like Toronto and Vancouver. While Canadian tuition fees are moderate compared to the U.S., living expenses in Canada can be overwhelming due to rising housing costs and inflation. Students must also show CAD 10,000-20,000 in financial proof for a study permit.

• Skyrocketing Rent: In some cities such as Toronto and Vancouver, even shared rooms are priced at CAD 800-1,200 a month, which is a huge burden to student budgets.
• Rising Grocery and Transport Costs: The cost of living in Canada has increased because of inflation and now, basic commodities such as food and transportation cost CAD 400-600 per month.
• Limited Part-Time Work Opportunities: While students can work up to 20 hours per week, finding a flexible job that fits your schedule isn’t always easy or quick.

Despite the rising cost of living in Canada, it remains one of the most student-friendly destinations. Canadian universities offer strong academic support, flexible work rights, and generous post-study pathways.

With proper budgeting and an education loan for study abroad that covers both tuition and living expenses, Canada continues to be a safe and rewarding choice.

How Expensive Is It to Live and Study in Australia?

The cost of living in Australia is another common concern. In cities like Sydney or Melbourne, international students spend AUD 1,500-2,200 monthly on living. Part-time work is allowed, but finding a job can take time and competition is high.

Here’s an average monthly living expenses in Australia for international students:

The cost of living in Australia may seem high at first, but it is balanced by strong minimum wages and flexible student work rules. International students can work up to 48 hours per fortnight, with plenty of part-time opportunities in retail, hospitality, and on-campus roles.

Combined with globally respected universities, industry-aligned courses, and an excellent quality of life, Australia continues to be a rewarding study destination despite the costs.

Why Is the Cost to Study in the UK a Concern?

The cost to study in the UK is not only expensive (GBP 10,000-38,000 per annum in tuition fees) but also the living cost in the city is very high. London is one of the most costly student cities in the world. The visa regulations are quite stringent, and evidence of funds is required, £1,529 per month in 9 months.

• High Tuition Fees for International Students: Tuition fees are typically between £10,000 and £38,000 annually, particularly for medicine, engineering, and business courses.
• Costly City Living: Residing in cities such as London is highly stressful, and monthly costs (rent, food, transportation) may exceed £1,200- £1,500.
• Visa and Financial Requirements: Students must show proof of financial stability, £1,529 per month for London or £1,171 for other areas, which many find difficult without financial aid or an overseas education loan.

While the cost to study in the UK is a concern, UK degrees are shorter, saving both time and money in the long run. Undergraduate programs usually take 3 years while PG programs often finish in just 1 year.

When students choose the right university and secure funding in advance, the UK becomes a high-value investment rather than a financial burden.

Is the Cost of Living in Ireland Student-Friendly?

Not really. Though Ireland offers quality education and post-study work options, the cost of living in Ireland is rising. Dublin is particularly expensive, with rent often exceeding €800/month even for shared accommodations.

• Utility bills, groceries, and transport can add €400-€600/month.
• Smaller cities are cheaper, but part-time job options are limited.
• Students must show at least €10,000 in financial proof for visa approval.

Although the cost of living in Ireland is rising, the country offers excellent career prospects, especially in tech, pharma, and finance. Ireland is home to global companies like Google, Meta, and Pfizer.

With the right study abroad consultant and financial planning, students can balance Ireland’s costs while benefiting from strong job outcomes.

Why Do Students Underestimate the Cost of Living in New Zealand?

New Zealand seems affordable at first, but cities like Auckland and Wellington have seen sharp rental hikes. To be granted a visa, students will have to provide evidence of NZD 20,000 a year, and not all part-time employment will cover the costs. The cost of living in NZ is comparable to Australia.

• Basic items such as food and transportation are high-priced.
• There may be hidden monthly expenses due to health insurance and mobile plans.
• Students tend to ignore initial expenses such as visa fees and house deposits.

The cost of living in NZ is often underestimated, but New Zealand offers a calm, student-friendly environment with high academic standards. It offers safe and welcoming environment for international students with flexible part-time work rules, and globally recognized universities.

How Can International Students Afford All This?

Getting an education loan for study abroad is crucial. Loans can cover tuition, living expenses, and even travel costs. Platforms like Nomad Credit help students compare overseas education loan options tailored to their destination and profile, co-applicant status, and study destination, all at no cost.

• Nomad Credit partners with top banks and NBFCs to offer customized loan options.
• You can check both secured and unsecured loan options in one place.
• Their team will take you through the whole process of loan, including requirements and disbursement.
• Support is possible even in the absence of a co-applicant or collateral.
• With the help of professional advice, students will be able to save time and get rid of the rejections.

Compare Student Loans with Nomad!

What’s the Smartest Way to Prepare for Study Abroad Challenges?

Studying abroad isn’t easy, but it was never meant to be. The countries examined here are challenging because they offer world-class education, global exposure, and long-term career rewards. With the right preparation, financial clarity, and expert guidance, these challenges turn into stepping stones.

You do not have to work through it all by yourself, so find a reliable study abroad consultant who knows your professional objectives and financial constraints. With Nomad Credit, you get expert advice, customized loan matches, and end-to-end support for your study abroad journey.

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