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U.S. Healthcare for International Students: Navigating Insurance and Clinics

  Navigating healthcare in the U.S. can feel like deciphering a foreign language—especially for international students. Between confusing insurance plans, hidden costs, and unfamiliar clinics, it’s easy to feel overwhelmed. But with the right knowledge, you can confidently access care without breaking the bank. Here’s your survival guide to U.S. healthcare. 1. Health Insurance: Your First Step Why you need it: U.S. healthcare is expensive—a single doctor’s visit can cost $150–300 without insurance. Most universities  require  international students to have coverage. Types of Insurance Options University-Sponsored Plans : Pros: Tailored to student needs, includes campus clinics, and meets visa requirements. Cons: Often pricier than alternatives (e.g.,  2 , 000 – 2 , 000– 4,000/year). Private Insurance : Companies like  ISO Student Health Insurance  or  PSI  offer cheaper plans ( 1 , 000 – 1 , 000– 2,000/year). Verify if your university accepts priv...
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Thrifting 101: How to Shop Sustainably and Save Money in the U.S.

For international students in the U.S., thrifting isn’t just a way to save money—it’s a cultural experience, a sustainability hack, and a treasure hunt rolled into one. From scoring designer clothes for $5 to furnishing your dorm room on a budget, here’s how to master the art of thrift shopping like a pro. Why Thrift? Save Money : Stretch your student budget further—thrift stores sell items for  50–90% off  retail prices. Reduce Waste : The U.S. sends  13 million tons of clothing  to landfills yearly. Thrifting helps fight fast fashion. Unique Finds : Discover vintage jackets, retro home decor, or rare books you won’t see anywhere else. Cultural Immersion : Thrifting is a popular American pastime. Embrace the local lifestyle while hunting for hidden gems! Where to Thrift in the U.S. 1. Nationwide Thrift Chains Goodwill : Prices start at $2 for basic tees. Check for  color-tag sales  (items with specific tag colors are 50% off). Salvation Army : Great for fu...
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Opening an American Express (Amex) credit card in the U.S. as an international student without a Social Security Number (SSN)

  1. Understand the Requirements While most U.S. credit card applications require an SSN, Amex may accept alternative forms of identification for international applicants, such as: Passport  and  U.S. visa  (F-1, J-1, etc.). Individual Taxpayer Identification Number (ITIN)  (if you have one). Proof of U.S. address (e.g., utility bills, rental agreements). Proof of income (bank statements, scholarships, or part-time job earnings). 2. Apply Through the Amex Global Card Transfer Program If you already have an Amex credit card in your home country, use the  Global Card Transfer Program  to leverage your existing relationship with Amex. This allows you to: Transfer your credit history to the U.S. Apply for a U.S. Amex card without an SSN (use your passport/ITIN instead). Note:  Not all countries participate in this program. Check Amex’s eligibility list  here . 3. Apply Without an SSN If you don’t have an existing Amex card: Visit the Amex U.S. we...
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Money Saving Tips in the USA for International Students

  Studying in the U.S. is an exciting adventure, but managing finances in a new country can feel overwhelming. From tuition fees to daily expenses, international students often face unique financial challenges. The good news? With smart planning and a few insider tips, you can stretch your budget further. Here’s how to save money without missing out on your American experience. 1. Master Budgeting Basics Before anything else,  create a budget . Track your income (from savings, scholarships, or part-time work) and expenses (rent, groceries, transportation, etc.). Use apps like  Mint  or  YNAB (You Need a Budget)  to simplify this process. Pro Tip:  Allocate 50% of your budget to essentials (rent, utilities), 30% to flexible spending (food, transportation), and 20% to savings or emergencies. 2. Open a Student-Friendly Bank Account Avoid hefty fees by choosing a bank that caters to students. Many U.S. banks like  Bank of America  (Advantage Bank...
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