US Education Funding for International Students: 2026 Guide Studying in the United States can be a major investment for international students. Tuition is only part of the equation. Accommodation, insurance, food, books and transportation can add thousands of dollars to the annual cost. The research paper on the 2026 scholarship market shows that international students also face a specific problem: US universities tend to offer merit-based funding far more often than need-based aid. That changes how applicants should plan. Instead of assuming a university will meet their financial need, students often have to combine several sources of funding. A strong academic record can help secure scholarships. 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