If you’re considering working in the U.S. while studying, several programmes in 2026 can make that possible. Whether you’re aiming to earn money, gain experience, or cover tuition, this guide covers the main options—and what they cost you.
I’ll break down the main programmes, F-1 student work rules, J-1 Summer Work & Travel, and Federal Work-Study, so you understand eligibility, limits, and money you could earn. No jargon, just clear steps and real numbers.
You’ll also understand who qualifies, what documents you need, and how much you can expect to make—so you can plan smart.
Basic Programs to Work While Studying in the U.S.
F-1 Visa Employment (On-Campus, CPT, OPT)
As an international student with an F-1 visa, you can work on campus up to 20 hours per week during classes and full-time during breaks. After one academic year, you may use:
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CPT (Curricular Practical Training) – part- or full-time work related to your program.
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OPT (Optional Practical Training) – up to 12 months of work post-graduation (extensions for STEM fields).
These options let you earn and gain job experience while studying.
J-1 Work & Study Exchange (Summer Work Travel)
The Work & Travel USA programme for students offers 3–5 months of work and cultural experience during school breaks. You must apply for a J-1 visa, be fairly fluent in English, and report back home afterward.
You can earn hourly wages—usually in service, hospitality, or seasonal roles. Keep in mind, jobs are often placed before you arrive, and program fees vary with sponsors BridgeUSA.
Federal Work-Study Program
This is a U.S. federal program offering part-time campus jobs to students with financial need. Note: most international students are not eligible. If you are eligible, you’ll need to apply through your school’s Financial Aid office (via FAFSA), and you earn at least the federal minimum wage.
Typical Salaries to Expect in 2026
Even though pay differs by programme, here’s a rough guide:
| Program | Estimated Wage (USD/hour) | Notes |
|---|---|---|
| F-1 On-Campus | $12–$15 | Part-time role, usually campus-based |
| CPT / OPT | $18–$30+ | Depends on industry & location |
| J-1 Summer Travel | $10–$14 | Seasonal; typically service or hospitality |
| Work-Study (if eligible) | $12–$15 | On-campus; tied to financial need |
Remember, living costs vary widely. Funds you earn may help, but depending on location, study programs often require proof of financial ability.
How to Apply: Step-by-Step Path
F-1 Employment
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Get accepted by an SEVP-certified school and obtain an I-20 form, then apply for your F-1 visa USCIS.
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Once in the U.S., you may work on campus with no need for additional permission.
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For CPT or OPT, you must get permission via your school’s DSO and file with USCIS.
J-1 Work & Travel
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Apply through a State Department-approved sponsor.
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Receive DS-2019, pay the SEVIS fee, and get your J-1 visa.
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Work for your pre-arranged period (often summer), then travel until your program ends.
Federal Work-Study (If Eligible)
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Submit the FAFSA to show financial need.
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If granted, apply for on-campus jobs through your school’s financial aid system.
Costs You Should Know
Studying in the U.S. often costs between $20,000 and $55,000 per year, depending on institution type (public vs private) and program.
Work-study and part-time jobs help, but you’ll likely need proof of funds, such as bank statements or scholarships, to maintain visa status Study in the States.
Final Notes & Best Tips
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Always follow rules strictly. Working without permission can cancel your student visa
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Plan ahead: OPT approval can take time, and certain roles need sponsor enrolment (like STEM OPT with E-Verify).
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Use your early months wisely—learn the system, prepare documents, and reach out for school support.
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For cost relief, consider applying to institutions offering stipends, assistantships, or scholarships.
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