How much should i save before starting a PhD in the USA?
I’m applying to PhD programs in the US for the 2027–2028 cycle, and I have some concerns about the financial situation since, unfortunately, I don’t have a financial safety net.
First, would PhD funding/scholarships be active immediately after acceptance?
I’m currently employed but I support my family , so I’m trying to plan ahead and figure out how much I should save before moving to the US. Approximately how much money should I have saved to cover the initial expenses, such as moving costs, registration fees, health insurance, any semester/hidden fees, rent deposit, and living expenses until the funding starts?
Of course, I know this would vary by state and university, so I’m only asking for a rough estimate. I’d really appreciate hearing from anyone who has gone through this process, especially international students.