@username619 would you just use annual tuition fee to calculate or include other expenses such accommodation? For example if the tuition fee is $20,000 annually, should I have $40,000 in my bank account because in order to get master's degree one has to take 4 semesters (2 years) worth courses? Also, what banks do you recommend to take a loan. I have never done it before. This is such a different/helpful information, thank you for sharing. But if I do so and got approved, they put money in your bank account? But the process could take up to a year with USCIS. Wouldn't it impact if I take the loan for one month and return it? Am I not supposed to have sufficient funds until I get a decision from USCIS? I don't even understand why they take 1 year to reinstate. And the clock is ticking.