MBA paths for international students: From scholarships to six-figure jobs

For international students studying overseas, the Master of Business Administration (MBA) remains one of the most powerful ways to pivot careers, build a global network, and access high-paying roles in the U.S. or Canada. But it’s also one of the most expensive – and competitive – postgraduate degrees you can pursue.

The good news? A growing number of MBA programs are adapting to the needs of international students, offering more scholarship access, STEM-designated tracks, and career support for OPT and H-1B pathways. The challenge is understanding how to navigate these options strategically—so your investment actually pays off.

Here’s how to evaluate MBA programs that work for your goals, your finances, and your long-term career.

Not all MBA programs are built the same

Many international students assume all MBAs offer similar outcomes. But the reality is more nuanced. Program structure, visa eligibility, and post-MBA career support vary significantly—and can impact both your employability and your ability to stay and work in North America.

Before applying, ask:

• • Is the program STEM-designated? If so, you may be eligible for a 36-month OPT window instead of 12 months.
    
  • What percentage of international students land jobs within six months of graduation?
    
  • Does the school offer OPT and H-1B sponsorship guidance or partner with companies that do?
    
  • Are there career tracks (e.g., tech, finance, product) aligned with global hiring trends?
    

 

These questions often matter more than prestige. Choosing the right MBA means picking a program that understands—and supports—your unique trajectory as an international student.

Scholarships, assistantships, and alternative financing

The average MBA costs between US$70,000–$120,000. For many students, that price tag is daunting—but there are ways to manage it.

Scholarships and fellowships

Many top MBA programs offer merit-based scholarships for academic achievement, leadership, or diversity. Some also run dedicated scholarships for international applicants. These are competitive, so apply early and make your story count.

Graduate assistantships
Some programs offer part-time campus work opportunities—especially for second-year students—to offset tuition costs. While limited, they can make a significant financial difference.

No-cosigner financing options

For students without a U.S.-based cosigner, lenders like MPOWER Financing offer private student loans designed for international MBAs. These MBA student loans cover tuition and living expenses and do not require a cosigner or collateral.

Most importantly, budget for the full cost—not just tuition. Think relocation, internship gaps, travel, laptops, and visa expenses. Choosing an MBA is about full-picture affordability, not just price per credit hour.

Where the MBA leads: Roles and salaries by career path

While MBA salaries vary by industry, many international graduates secure six-figure offers—especially in high-demand roles and locations.

Consulting
Average starting salary: US$140,000–$170,000
Firms like McKinsey, BCG, and Bain actively recruit international MBA graduates and may offer visa sponsorship. Be prepared for a competitive recruitment process and fast-paced work culture.

Product management and tech leadership
Average starting salary: US$120,000–$150,000
Tech companies increasingly seek MBAs for product strategy, operations, and analytics roles. STEM-designated MBA tracks are especially relevant here.

Finance & investment
Average starting salary: US$125,000–$160,000
Investment banks, asset managers, and fintech companies often hire MBAs for associate-level roles. H-1B sponsorship is common in large firms.

Health care, ESG, and operations
Average starting salary: US$95,000–$120,000
These sectors offer strong long-term growth, especially for MBAs with prior technical or regional experience. Fewer international sponsorships may be available, so planning matters.

Know that your pre-MBA experience also shapes post-MBA offers. Students with prior industry or technical experience often command higher salaries than career switchers.

How MPOWER Financing helps MBA students stay financially flexible

MPOWER Financing works with international students pursuing MBA and STEM MBA programs across the U.S. and Canada. Its no-cosigner student loans help cover tuition and may also cover living costs without requiring U.S. credit history or collateral—making it easier to focus on your program and recruiting goals.

MPOWER also offers:

• • Monthly scholarship opportunities for MBA students
    
  • Access to Path2Success, with resume builders, interview prep, and job filters for OPT and H-1B roles
    
  • Resources for financial planning throughout the MBA, including budgeting for internships and job transitions
    

 

MBA students using MPOWER don’t just fund their degree—they also gain tools to better manage the return on that investment.

 

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Finding an MBA that fits your ambition and your reality

An MBA can open extraordinary doors—but only if you align the program with your career vision and financial strategy. Look beyond rankings. Ask which schools support international students through real outcomes, not just glossy brochures.

The best MBA for you may not be the most expensive or most famous—it’s the one that moves you closest to your goals with clarity, career alignment, and manageable risk. Choose boldly, plan wisely, and don’t forget – here are tools built just for international students like you.

Optional Practical Training (OPT) in the U.S.: What International Students Need to Know

For many international students studying in the U.S., optional practical training (OPT) is the bridge between a postgraduate degree and a full-time career. It’s an opportunity to apply what you’ve learned in the classroom to real-world roles, build U.S. work experience and explore long-term career paths – sometimes even leading to H-1B sponsorship.

But OPT isn’t automatic. It comes with specific rules, strict timelines and a clear application process. Missing a deadline or misunderstanding a requirement can affect your ability to work legally in the U.S. after graduation.

If you’re planning to work in the U.S. post-degree, this guide will help you understand how OPT works, who qualifies and how to maximize your time under it.

What is OPT?

OPT is a temporary work authorization for F-1 visa holders that allows international students to work in the U.S. for up to 12 months in a role directly related to their field of study.

There are two types of OPT:

• Pre-completion OPT: Part-time work allowed during your degree program (rarely used since most students rely on curricular practical training, or CPT, instead)
  
• Post-completion OPT: Full-time work permitted after graduation
  

Most international students apply for post-completion OPT during their final semester. If approved, you’ll receive an employment authorization document (EAD) and can begin working after your program ends.

Who is eligible for OPT?

To qualify, you must:

• Be in valid F-1 status.
  
• Have completed at least one full academic year at a U.S. institution.
  
• Apply for work that directly relates to your major.
  
• Not have used more than 12 months of full-time CPT at the same academic level.
  
• File Form I-765 with USCIS (U.S. Citizenship and Immigration Services) and receive approval before starting work.
  

Work authorization for international students must be used within 14 months of completing your academic program, and you cannot begin work until you’ve received your EAD card.

When to apply and how timing works

You can apply for OPT as early as 90 days before your program end date, and no later than 60 days after. However, USCIS processing can take two to three months, so applying early is essential.

After your program ends, there’s a 60-day grace period to stay in the U.S. – but you cannot work until your OPT is approved.

Your OPT start date must fall within that 60-day window. Once your EAD is issued, you’ll be given up to 12 months of work authorization.

STEM graduates may later qualify for a 24-month extension, bringing the total to 36 months. That application is separate and comes near the end of your first OPT year.

What types of jobs are allowed under OPT?

OPT jobs for international studentsmust be directly related to your academic field. You can work in full-time or part-time roles, and for-profit, non-profit or startup organizations.

Some common roles include:

• Software engineer for computer science grads
  
• Research associate for life sciences grads
  
• Financial analyst for business analytics grads
  
• UX designer for human-computer interaction majors
  
• Data scientist for statistics or AI majors
  

Unpaid internships or volunteer roles can also qualify, as long as they relate to your major and meet labor law guidelines.

To remain compliant, you must not exceed 90 days of unemployment during your OPT period.

Resources that help international students thrive on OPT

International students navigating OPT need more than approval – they need support finding the right jobs, preparing for interviews and staying financially afloat while transitioning to the workforce.

MPOWER Financing helps fill those gaps with:

• No-cosigner student loans that can cover tuition, living costs and job hunting expenses in the U.S.
  
• Access to Path2Success: a free platform with job search tools, resume guidance and visa support
  
• Employer databases filtered by CPT, OPT and H-1B sponsorship compatibility

With MPOWER’s support, students can take on OPT with confidence – knowing they have the tools and financial flexibility to succeed.

OPT is more than paperwork

OPT isn’t just a student visa benefit – it’s a critical chance to get your foot in the door, prove yourself and build a foundation for future employment. Treat it like a professional opportunity, not just a technical step.

By applying early, understanding your responsibilities and making use of the tools available – through your university, mentors and organizations like MPOWER – you can turn those 12 months into something much bigger.

 

Highest paying part-time jobs for international students in the U.S.

Working part time while earning your degree in the U.S. isn’t just about covering bills and budgeting for university students – it’s also about gaining experience, building connections and boosting your confidence in a new culture. But as an international student on an F-1 visa, your employment options come with rules. Fortunately, there are jobs that not only comply with visa guidelines but also pay well.

Whether you’re looking for on-campus work or preparing to apply for curricular practical training (CPT), this guide outlines part-time jobs that are legal, flexible and financially worthwhile.

What are the rules for part-time work on an F-1 visa?

International students studying overseas on an F-1 visa are typically allowed to work up to 20 hours per week during the academic term and full time during school breaks. During your first year, employment must generally be on campus unless you’re approved for CPT.

After completing one full academic year, you may be eligible for off-campus roles under CPT or optional practical training (OPT), depending on how the job relates to your major and whether your university authorizes the training.

Always check with your designated school official (DSO) before starting any job – even remote or freelance work – to ensure it’s legal under your visa status.

Top on-campus jobs that pay more than average

On-campus roles offer steady income, schedule flexibility and visa compliance without requiring CPT. While many pay minimum wage, some are surprisingly well-compensated.

Graduate teaching or research assistant
Average: US$15–US$25/hour
RAs (research assistants) and TAs (teaching assistants) often receive higher wages, and some positions include tuition benefits. These roles also build strong academic relationships and offer resume value.

Campus tech support
Average: US$14–US$22/hour
Universities often need students to manage help desks, troubleshoot tech issues or assist with AV setup in lecture halls.

Library supervisor or lab monitor
Average: US$13–US$18/hour
These positions require responsibility but offer quiet, structured environments – ideal if you prefer calm over customer-facing roles.

Tutoring (STEM or language subjects)
Average: US$15–US$25/hour
If you’re strong in math, physics or writing – or fluent in a second language – you may be able to tutor fellow students at high rates.

High-paying off-campus roles through CPT

Once you’re eligible for CPT, you can pursue off-campus internships and roles tied to your degree program. Many of these pay well, even for part-time work.

Data science or analytics intern
Average: US$30–US$40/hour
STEM students with Python, R or SQL skills are in high demand for data-focused internships, even during the school year.

Software development intern
Average: US$35–US$50/hour
Programming roles in web, app or AI development pay some of the highest hourly wages for CPT-eligible part-time students.

UX/UI design intern
Average: US$25–US$35/hour
Students in design, HCI or digital media programs can find flexible remote internships with startups and agencies.

Digital marketing intern
Average: US$20–US$30/hour
Marketing students with skills in SEO, social media and Google Analytics can command strong pay from U.S. firms – even part time.

What about freelance or remote work?

Freelancing can seem appealing, but it’s legally complicated for F-1 students. Unless your work is approved under CPT or is entirely for non-U.S. clients outside of U.S. territory, you may violate your visa terms.

If you’re exploring remote roles, focus on those routed through your university or formally approved through your DSO. Always err on the side of caution – unintended violations can jeopardize future visa applications.

Finding balance: Work, study and visa compliance

While pay matters, so does maintaining your academic standing and visa status. Take stock of your weekly schedule, course load and personal bandwidth before accepting a role. A well-paying job is only worth it if it doesn’t derail your studies or compromise your legal standing.

If possible, prioritize roles that add value to your long-term goals – such as international student internships in your field or jobs that offer mentorship, project work or leadership development.

Tools that support your part-time job journey

For international students looking to work while studying, MPOWER Financing offers more than just funding – it helps you make smarter choices around work, finances and visa planning.

MPOWER students can access:

• Path2Success, a student and career success program that offers a tool with job search filters for CPT, OPT and STEM OPT roles
  
• Resources that explain work restrictions, timelines and reporting expectations
  
• Visa support live sessions and resources to navigate the U.S. immigration system

You don’t have to take the first job that comes along. With better resources and financial breathing room, you can be more selective – and more strategic.

Make each hour count

When time and legal hours are limited, it pays to be intentional. Choose part-time work that supports your goals, builds experience and fits within your schedule and F1 visa requirements. Whether you’re helping undergraduates in a lab or interning remotely for a startup, every hour can be a step toward something bigger.

With the right support from your university and platforms like MPOWER, you can find opportunities that fit your future – and pay off now.

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Affordable master’s degrees abroad that lead to great career outcomes

Pursuing a master’s degree and studying overseas is a big investment – but it doesn’t have to be a financial burden. Many postgraduate programs in the U.S. and Canada offer not only affordability, but also strong career prospects. The key is knowing where to look—and which degrees actually lead to real-world return on investment.

Whether you’re focused on keeping tuition low, minimizing living expenses, or maximizing your employability after graduation, it’s possible to find a smart, sustainable path forward.

Here’s what to consider when looking for affordable master’s programs that open doors without closing your bank account.

What makes a master’s degree “affordable”?

Affordability isn’t just about the sticker price. A truly affordable program balances tuition, cost of living, length of the program, and the likelihood of landing a job afterward. A one-year program in a city with moderate rent and strong employer connections may be a better deal than a two-year program in a high-cost location—even if the base tuition is lower.

Look for:

• Programs that offer scholarships for master’s degrees, assistantships or in-state tuition waivers
  
• Schools located in lower-cost cities or towns
  
• Degrees with fast job placement rates and clear demand in the job market
  
• Accelerated or one-year master’s formats that reduce living expenses
  

The smartest investment is the one that balances cost today with career value tomorrow.

Degrees with a strong career outcomes in the U.S. and Canada

Some master’s degrees consistently deliver strong salaries and employment outcomes—especially for international students. Here are a few to consider if affordability and career growth are both priorities.

Master’s in computer science

Graduates routinely earn starting salaries above US$90,000 in the U.S., especially in areas like AI, software engineering, and cybersecurity. Many public universities offer these programs at far lower tuition rates than private institutions.

Master’s in data analytics or business analytics

These programs are often shorter in duration (12–18 months) and lead to in-demand roles in nearly every industry. Salaries average US$80,000–US$100,000 post-graduation, and many universities offer online or hybrid options that cut costs further.

Master’s in public health (MPH)
MPH programs can be affordable at public institutions and often qualify for scholarships, especially if your focus is global health or epidemiology. Career paths range from research to policy to nonprofit leadership.

Master’s in engineering (various specializations)
Mechanical, electrical, civil, and environmental engineering degrees are widely available and often offered with assistantships.

MBA with a STEM concentration
A growing number of MBA programs in North America now offer STEM tracks (e.g., business analytics, operations, finance). These combine business skills with OPT-extension eligibility, making them attractive and cost-effective in the long run.

How MPOWER Financing supports students in affordable, outcome-driven programs

MPOWER Financing was created for international postgraduate students in high-impact, career-focused degree programs. Whether you’re pursuing an MBA or STEM degree, MPOWER helps make it possible to finance education—without the need for a U.S. cosigner or credit history.

Students can borrow between US$2,001 and US$100,000 to cover tuition, fees, and living costs while studying in the U.S. or Canada. Every loan includes access to:

• Path2Success, a career resource platform with job search tools tailored to F-1 and STEM OPT timelines
  
• Resume builders and job-matching tools designed for international students
  
• Financial literacy support to help students stretch their budgets while staying career-focused
  

If your program is affordable but cash flow is still a challenge, MPOWER helps bridge the gap so you can finish strong and launch your next chapter.

 

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Making the most of your investment abroad

An affordable master’s degree doesn’t mean compromising on quality. It means being intentional—choosing a program that fits your career goals, offers strong employer connections, and leaves you with options instead of debt.

Do your research. Compare costs and outcomes. And consider options for student loans like MPOWER that are created to support international students from day one through graduation—and beyond.

 

Career planning for international students: Choosing a major that pays off

When you’re investing in a master’s degree abroad, your choice of major is more than just academic – it’s strategic. For international students, picking the right field of study can shape your job prospects, visa eligibility and long-term earning potential in the U.S. or Canada.

The key is finding a degree that matches both your personal interests and global demand. If your goal is to stay competitive and career-ready after graduation, here’s how to make sure your major sets you up for success.

Why your major matters more than ever

Unlike some domestic students who can explore freely and switch paths later, international students studying overseas often face stricter timelines and fewer second chances. Your major not only impacts the kind of work you’ll be allowed to pursue under F-1 visa rules- it also affects how long you can stay after graduation and what types of companies are likely to hire you.

Postgraduate majors with strong demand and clear career pathways are more likely to:

• • Lead to jobs that qualify for OPT or STEM OPT extensions
  • Attract employers open to sponsoring H-1B visas
    
  • Offer faster job placement and higher starting salaries
    
  • Deliver long-term ROI on your education investment
    

Choosing wisely now helps protect your options later.

Fields with strong earning potential and employer demand

If you’re looking to build a solid career foundation and justify the cost of financing education, these fields consistently rank high for both salary and job opportunities:

Computer science and engineering
From software development to cybersecurity, demand for tech talent remains high across North America. These roles offer high starting salaries and are among the most sponsored by U.S. employers.

Data science and analytics
With nearly every industry relying on data to drive decision-making, degrees in analytics, statistics, and AI offer flexible career options and strong postgraduation salaries.

Business analytics and STEM MBAs

MBA programs with STEM designations (in fields like finance, supply chain, or information systems) allow you to qualify for extended work time while preparing for leadership roles across industries.

Health care and public health
Master’s degrees in public health, health informatics, and healthcare administration offer career pathways in hospitals, nonprofits, and government programs—with rising global demand.

Engineering Fields (Electrical, Mechanical, Environmental)
Engineers continue to be in demand across sectors including energy, manufacturing, and infrastructure. These degrees also tend to qualify for STEM OPT extensions.

Tools to help you compare outcomes by major

It’s not always easy to predict how a major will perform post-graduation, but there are tools that help.

• • Look at salary data on sites like PayScale, Glassdoor, and the U.S. Bureau of Labor Statistics.
    
  • Use international student career outcome reports from universities you’re considering.
    
  • Research which majors align with the DHS STEM OPT Designated Degree Program list.
    
  • Explore employer databases to see which fields are most often linked to H-1B sponsorship.
    

The more research you do upfront, the more confident you’ll feel choosing a degree with strong career potential.

How MPOWER Financing supports outcome-focused students

MPOWER Financing works with thousands of international postgraduate students who are focused on outcomes- students in STEM, business, health, and engineering fields who are building careers that travel with them.

MPOWER offers:

• • No-cosigner student loans
  • Over 500 MPOWER-eligible schools across the U.S. and Canada
  • Fixed interest rate student loans with flexible loan amounts from US$2,001 to US$100,000
    
  • Access to Path2Success, a career platform with resume tools and OPT/H-1B job search filters
    

When you choose a career-focused degree, MPOWER helps ensure your financial strategy supports your long-term goals- so you’re free to focus on the major that pays off.

 

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Your major is your foundation- choose it like it matters

Picking a postgraduate major is one of the most important career decisions you’ll make. It influences not only what you’ll study, but where you’ll work, how long you can stay, and how much you can grow.

With research, foresight, and the right financial tools, you can confidently pursue a degree that opens doors. Whether it’s coding, engineering, or analytics, choose the major that gets you closer to the life you want- and make sure the resources around you support that vision.

 

How to find paid internships in the U.S. as an international student

A paid internship is more than just a paycheck – it’s often your first foot in the door with a U.S. employer. For international students, these roles can build experience, credibility, and long-term job potential. But finding one isn’t always simple.

Visa rules, timelines, employer uncertainty, and competition from domestic students can make the internship search uniquely challenging for F-1 visa holders. That’s why success takes more than just hitting “Apply”- it requires early planning, the right resources, and a clear understanding of what’s legally possible.

Here’s how to position yourself for a paid internship that works with your degree- and your visa.

 

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What is curricular practical training (CPT)

For F-1 students, most paid internships are only allowed under Curricular Practical Training (CPT). CPT for international students lets you work off campus in a role tied to your academic program- usually after completing one full academic year.

You’ll need:

• • A job offer before applying for CPT
    
  • Proof that the internship is part of your degree (credit-bearing or required)
    
  • Approval from your university’s Designated School Official (DSO)
    
  • A new I-20 with CPT authorization before your start date
    

 

Internships offered in your second semester or over the summer often align best with these timelines- but start researching in your first term.

Where to find high-quality paid internships

Good internship leads don’t just come from job boards. For international student internships, the best roles often come from multi-channel searches.

1. University career platforms
Use your school’s job portal (Handshake, Symplicity, etc.) and attend career fairs. Many listings are pre-screened for CPT/OPT eligibility or visa-sponsoring employers.

2. Alumni and professor referrals
Ask faculty or advisors if past students have interned at companies in your field. Alumni from your program can also offer warm introductions.

3. LinkedIn filters

Search for internships by title and location, and use advanced filters to prioritize employers who hire international students. Reach out directly to HR or hiring managers.

4. Visa-aware companies
 Look into firms with a track record of hiring F-1 students or sponsoring H-1B visas. These employers are more likely to be familiar with CPT paperwork and timelines.

5. Niche platforms
 Tools like Interstride, GoinGlobal, and MPOWER’s Path2Success platform can help surface jobs from employers open to hiring international students.

What sets successful internship applicants apart?

Beyond GPA and technical skills, international students who land internships often share a few key traits:

• • Strong communication: They can clearly explain how the role connects to their academic path (this matters for CPT approval too).
    
  • Initiative: They’re not afraid to reach out cold to recruiters or follow up on job leads.
    
  • Preparedness: They understand CPT rules and can explain timelines and documentation to employers who may be unfamiliar.
    
  • Persistence: They start early and apply widely- often sending 50+ targeted applications for a single role.

Hiring international interns comes with extra paperwork. Your job is to make it as easy as possible for the employer to say yes.

Financial breathing room that supports your search

Finding the right internship takes time- and sometimes money. You may need to relocate for a role, buy business attire, cover a housing deposit, or support yourself between interviews and job offers.

That’s where flexible financing options come in. For international students balancing tuition and job prep, MPOWER Financing offers:

• • No-cosigner private student loans that cover tuition, housing, and internship-related expenses
    
  • Support for CPT-eligible programs at 500+ schools in the U.S. and Canada
  • Access to Path2Success, a free platform that helps you search jobs, prep resumes, and filter for visa-friendly employers
    
  • Monthly scholarships to help students stay financially flexible while gaining experience
    

Whether you land a paid internship on day one or month six, MPOWER helps ensure that the opportunity is financially realistic- not just aspirational.

 

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Build a bridge to your future career

A great internship doesn’t just build your resume-it opens doors to OPT jobs, STEM OPT extensions, and long-term sponsorships. That’s why it’s worth investing in the search process now.

Start early. Know your visa options. And make use of career services, alumni networks, and tools designed for international students. The internship is your proving ground- and the right one can shape your entire postgraduate path.

 

How to make the most of CPT without risking your visa status

Curricular practical training (CPT) is one of the most important work opportunities international students can access during their postgraduate studies in the U.S. It allows you to take what you’re learning in the classroom and apply it to real-world experience—often paid, often career-defining.

But CPT isn’t automatic, and it isn’t risk-free. While it can be a major advantage on your career timeline, misusing it—or misunderstanding the terms—can put your visa status at risk.

Here’s how to use CPT to build your resume and future job prospects while staying fully compliant with your F-1 visa.

First, understand what CPT is (and isn’t)

CPT allows international students studying overseas on F-1 visas to gain off-campus work experience if the job is an integral part of their academic program. That means it’s either required by your degree or earns academic credit.

There are two key types of CPT:

• • Full-time CPT: More than 20 hours per week
    
  • Part-time CPT: 20 hours or fewer per week
    

Both must be authorized through your school’s DSO (Designated School Official) before you begin working—not after.

One common misconception – that CPT for international students is a generic work permit. It’s not. The job must be tied to your academic track, and unauthorized work—even remote freelance gigs—can cause problems with your immigration record.

The timing trap: When and how to apply

CPT eligibility usually begins after you’ve completed one full academic year in the U.S. Some programs with required internships built into the curriculum may allow earlier participation, but that’s the exception—not the rule.

To apply, you’ll typically need:

• • A job offer letter that includes employer name, job title, responsibilities, hours, and location
    
  • Approval from your academic department confirming the role is credit-bearing or required
    
  • Submission of a CPT request form through your DSO or international student portal
    
  • A new I-20 form issued with CPT approval, valid only for the stated job and timeframe
    

You must have CPT authorization on your I-20 before your first day of work. There’s no grace period, and even one day of unauthorized employment could result in a violation.

How to maximize CPT without putting your visa at risk

CPT can be an incredibly valuable part of your student experience—if you manage it well. Here’s how to do that:

Choose a job that adds to your long-term resume

Not all internships are created equal. Prioritize roles that give you real project ownership, relevant skills, and mentorship—even if they pay a little less.

Be cautious with multiple CPT authorizations
Frequent or overlapping CPT approvals may draw attention from USCIS later, especially during OPT or H-1B applications. Stick with jobs that are clearly aligned with your field and easy to justify academically.

Avoid full-time CPT that spans 12 months or more
If you use 12 months or more of full-time CPT, you forfeit your eligibility for OPT. Part-time CPT doesn’t count against OPT time, so if you’re hoping to work after graduation, be strategic.

Don’t work remotely for non-approved employers
Even if you’re technically working from your apartment, a remote job still counts as employment. If it’s not approved for CPT, it’s a violation.

Keep your I-20 and academic credits up to date
If your job changes significantly or ends early, inform your DSO. And always make sure your CPT experience aligns with the course credit or requirement you were approved for.

How MPOWER Financing helps you navigate CPT with confidence

Managing CPT is more than filling out forms—it’s also a balancing act of academics, career preparation, and financial planning. MPOWER Financing helps international students navigate this complexity with tools and resources built for their reality.

MPOWER students benefit from:

• • No-cosigner student loans that cover not just tuition but also living expenses during internships including a new laptop and tech tools
    
  • No need for a U.S. cosigner or collateral
    
  • Access to Path2Success, a free career platform that includes:
    

• • CPT-friendly job boards
    
  • Employer databases sorted by visa eligibility
    
  • Resume and interview prep tools
    
  • Visa-compliance checklists tailored for international students
    

MPOWER helps you participate in high-value international student internships without needing to sacrifice your financial stability—or bend the rules to make ends meet.

 

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CPT is your proving ground—protect it

For many international students, CPT is the first real step into a U.S. workplace. It’s where you test your skills, start building a local network, and prove what you’re capable of in a professional setting.

Treat it like the career investment it is—but treat the rules with equal care. One strong, well-managed CPT experience is worth far more than multiple gray-area gigs that could jeopardize your future options.

Ask questions. Use your resources. And if you’re balancing funding or planning for future visa steps, know that support systems like MPOWER exist to help you make the most of CPT—without taking unnecessary risks.

 

STEM Majors in Demand in the U.S. (That Qualify for OPT Extensions)

If you’re pursuing a postgraduate STEM degree in the U.S. on an F-1 visa, you’re already on a path with strong career potential and a unique visa advantage. The U.S. government not only welcomes STEM talent but also offers extended work authorization through the STEM optional practical training (OPT) extension, giving international postgraduates up to 36 months of time to work after completing their degree.

But not all postgraduate degrees qualify. And not all STEM programs are equally valued in the job market. To make the most of your postgraduate education, it’s important to choose a major that aligns with both your long-term goals and employer demand.

Here’s what you need to know about in-demand STEM fields, OPT eligibility and where opportunity is growing fastest.

What makes a major STEM OPT-eligible?

To qualify for the 24-month STEM OPT extension, your degree must appear on the STEM Designated Degree Program List from the Department of Homeland Security (DHS). This includes many programs in science, technology, engineering and mathematics – but not all of them.

Eligibility is based on your program’s CIP (Classification of Instructional Programs) code, not just its name. You can usually find the CIP code on your I-20 form or by asking your university’s international student office. Common eligible categories include:

• • Computer and information sciences
  • Engineering and engineering technologies
    
  • Biological and physical sciences
    
  • Mathematics and statistics
    
  • Actuarial science
    
  • Data science and analytics
    
  • Environmental science
    

It’s worth double-checking eligibility before applying to a program – especially if your goal is long-term work in the U.S. International student job opportunities are strongest in fields like these, where U.S. employers are actively seeking diverse, STEM-educated talent.

The most in-demand STEM fields in the U.S.

The following STEM majors and fields not only qualify for the 24-month OPT extension but also offer strong job growth, competitive salaries and widespread visa sponsorship opportunities.

Computer science and software engineering
Among the most popular STEM degrees for international students are computer science and software engineering, and for good reason. Roles in software development, systems architecture, cybersecurity and AI engineering are consistently in demand. Nearly every major tech company sponsors international hires with these backgrounds. Internships for international students in the U.S. often serve as crucial first steps in these fields, offering real-world experience and exposure to the job market.

Data science and analytics
From healthcare to finance to tech, data science roles are everywhere. Skills in Python, R, SQL and machine learning make this one of the most flexible and high-growth paths in today’s job market.

Electrical and mechanical engineering
These classic engineering disciplines remain essential across manufacturing, energy, automotive and defense industries. Companies hiring in these fields often have longstanding histories of hiring international graduates.

Biotechnology and life sciences
With advances in genomics, bioengineering and pharmaceuticals, there’s growing opportunity for STEM grads in biology-related fields – especially in research hubs like Boston and San Diego.

Environmental engineering and sustainability
Sustainability is more than a buzzword. With increased investment in green infrastructure and clean tech, degrees in environmental science and engineering are seeing a surge in job openings tied to climate resilience and energy transition.

Mathematics, statistics and actuarial science
Math-based roles are in high demand for positions in finance, insurance and advanced analytics. These degrees also align well with quantitative research positions in the U.S. tech and finance sectors.

Financial aid for international students pursuing these degrees can make a real difference, covering living costs and educational expenses so you can focus on your studies and career goals.

How to verify your postgraduate degree’s eligibility for STEM OPT

To confirm whether your degree is STEM OPT eligible:

• • Look up the CIP code listed on your I-20 under “Program of Study.”
    
  • Cross-check that code on the DHS STEM Designated Degree List.
    
  • If you’re unsure, speak with your DSO (designated school official).

Choosing a degree that appears on this list ensures you’ll be eligible for the 24-month extension beyond your initial OPT period, giving you a critical advantage in the job market.

How MPOWER Financing supports international students in STEM fields

MPOWER Financing was built for international postgraduate students pursuing STEM degrees in high-demand fields like computer science, engineering and data analytics. MPOWER’s no-cosigner student loans are available to students at top universities across the U.S. and Canada – and MPOWER doesn’t stop at funding.

Students who borrow from MPOWER also gain access to Path2Success, a free program that includes:

• • A job search tool with filters for CPT (curricular practical training), OPT, STEM OPT and H-1B eligible roles
    
  • A resume builder tailored for U.S. recruiters
    
  • Visa timeline checklists and career planning guides
    
  • Employer directories featuring F-1 STEM-friendly companies
    

In the U.S., MPOWER helps students cover tuition, living expenses and tools like certification courses or laptops, giving STEM grads what they need to launch strong careers after graduation. In Canada, MPOWER loans cover tuition and any other university-invoiced expense.

 

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Choose a major that builds momentum

The right postgraduate STEM degree can open doors – not just during school, but long after. By focusing on STEM OPT majors and programs that align with both your interests and job market demand, you can set yourself up for long-term success in the U.S. And with up to three years of OPT time, international STEM grads have a unique opportunity to gain real experience and establish a professional foothold.

Take the time to confirm your program’s eligibility, understand your options and plan ahead. With support from your school – and resources like MPOWER – your postgraduate STEM degree can become the start of something much bigger.

From CPT to OPT to H-1B: A career timeline for international students

For international postgraduate students in the U.S., earning a degree is just the start. What comes next – getting work experience, building a resume and securing long-term employment—requires strategic planning across multiple visa stages.

The path from classroom to full-time career often follows three key steps: CPT during your program, OPT after graduation and, for many, the H-1B work visa. Each phase builds on the last, and timing matters at every stage.

Understanding this timeline can help you prepare for key milestones and avoid delays that could cost you valuable time, work authorization, or even your ability to move to the United States.

Start early: Using CPT to gain experience during your program

Curricular practical training (CPT) for international students allows eligible F-1 students to participate in internships or work experiences tied to their academic program. It can be part time during the semester or full time during academic breaks—if approved by your school.

CPT is your first chance to apply classroom knowledge in a U.S. workplace. It also helps you:

• • Test different roles and industries
    
  • Build a network of U.S.-based professional contacts
    
  • Strengthen your resume before graduation
  • Learn how to work within American business culture
    

Not all schools allow CPT immediately, and eligibility typically starts after one academic year. Some graduate programs require practical training from day one, which may accelerate your timeline.

OPT: Your first full-time job opportunity after graduation

Optional practical training (OPT) is the next major phase. Once you graduate, you’re eligible for up to 12 months of full-time employment under OPT—provided your work relates to your degree field.

This is often when international students land their first U.S. job in tech, finance, research, or other sectors. It’s a critical window to gain experience, demonstrate value to employers and position yourself for visa sponsorship.

STEM graduates can apply for a 24-month extension, bringing total work authorization to 36 months. That additional time can dramatically improve your chances of securing a long-term role or H-1B visa.

Keep in mind:

• • Apply early (up to 90 days before your program end date).
    
  • You must not exceed 90 days of unemployment.
    
  • Every job must be directly tied to your academic program.
    

Where MPOWER Financing fits into your transition plan

Between CPT, OPT, and the job search that follows, international students studying overseas often face unpredictable financial needs. Relocation, visa fees, professional gear and temporary housing all add up—especially before your first paycheck.

MPOWER Financing supports students during this transition with:

• • No-cosigner student loans that cover more than tuition—living expenses, certifications, and even laptops
    
  • Access to Path2Success, a career support tool with OPT- and H-1B-friendly job filters
    
  • Resume and interview prep tailored to F-1 visa job seekers
    
  • Career content that walks through the CPT → OPT → H-1B transition with timelines and checklists
    

This phase isn’t just about staying afloat—it’s about making strategic moves. With the right tools and flexibility, you can enter the workforce with more focus and less stress.

Planning ahead: Navigating the H-1B lottery and beyond

The H-1B visa is a common next step after OPT, allowing international graduates to work in the U.S. for up to six years in a specialty occupation. But it’s a competitive process, with a lottery system and strict deadlines.

Employers submit registrations in March, and selections are made soon after. If selected, you begin work under H-1B status on October 1. If not selected, you may still continue working under STEM OPT if you’re eligible and within the timeline.

This is why the OPT and STEM OPT windows are so valuable—they give you multiple attempts to enter the lottery while continuing to work legally.

To prepare:

• • Target companies that sponsor H-1B and have strong immigration support.
    
  • Use your CPT and OPT time to build long-term value and become indispensable.
    
  • Track timelines carefully—missing a date can mean losing work authorization.
    

Career success as an international student starts with timing

Each stage of your visa journey builds toward the next. What you do during CPT impacts your options during OPT. What you achieve during OPT shapes your chances for H-1B. It’s all connected—and the more intentional you are, the stronger your path becomes.

By staying organized, choosing employers carefully, and making use of support systems—like university advisors, mentors, and organizations like MPOWER—you can turn each step into progress toward a lasting career.

 

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STEM OPT extension: Everything you need to know to maximize your work time

For international students graduating from STEM programs in the U.S., optional practical training (OPT) offers a critical launchpad into the job market. But if your initial 12 months on OPT feel like they’re flying by, there’s good news: STEM OPT majors may be eligible for a 24-month extension – effectively giving you up to three full years of U.S. work experience.

The STEM OPT extension is a huge opportunity to build career momentum, secure long-term roles and position yourself for H-1B sponsorship or permanent residence. But it also comes with deadlines, documentation and rules that you can’t afford to miss.

This guide breaks down how the STEM OPT extension works, how to qualify and how to make the most of your extra time.

What is STEM OPT?

STEM OPT is a 24-month extension of post-completion OPT, available to F-1 visa holders who earned a degree in an eligible STEM field – science, technology, engineering or mathematics.

This extension is in addition to the standard 12-month OPT period, allowing a total of 36 months of U.S. work authorization after graduation. It’s one of the most valuable visa pathways for international postgraduates seeking longer-term employment and potential H-1B sponsorship. International student resources can help you navigate the STEM OPT process, from gathering the right documents to finding employers enrolled in E-Verify.

Who is eligible for the STEM OPT extension?

To qualify, you must:

• Have completed a U.S. degree in an eligible STEM OPT major, as listed by DHS (The Department of Homeland Security).
  
• Currently be on an approved period of standard post-completion OPT.
  
• Work for (or have a job offer from) an employer enrolled in E-Verify.
  
• Be working in a position that is directly related to your STEM degree in the U.S.
• Work at least 20 hours per week in the role.
  
• Submit Form I-983 (training plan) completed and signed by your employer.
  
• Apply before your current OPT period ends (United States Citizenship and Immigration Services, or USCIS, recommends applying 90 days before).
  

Your employer must be willing to complete compliance-related steps, including reporting and evaluations. Keep this in mind when considering job offers during your first OPT year. Securing international student internships or co-ops in STEM fields can be an important stepping stone to meeting these requirements.

When and how to apply for STEM OPT

Timing is everything. If you miss the application window, you lose your chance to extend.

Here’s how to apply:

• Start preparing Form I-983 and confirm employer E-Verify participation about four to five months before OPT expires.
  
• Submit your STEM OPT application to USCIS using Form I-765 no more than 90 days before your OPT ends.
  
• Include a copy of your I-20 (endorsed for STEM OPT), passport, current employment authorization document (EAD) card, transcripts, job offer letter and Form I-983.
  
• File early – processing can take several months.
  

Once your application is received, you can continue working for up to 180 days past your OPT expiration while the extension is pending, as long as you filed on time.

How to use your STEM OPT time strategically

The extra two years on STEM OPT are more than a grace period – they’re a chance to strengthen your professional foundation in the U.S.

Here’s how to make the most of it:

Build continuity with your employer
Many students stay with the same employer from their initial OPT period into the STEM extension. This consistency can lead to more responsibility, mentorship and potentially H-1B sponsorship.

Pursue promotions or internal mobility
Use your extended time to level up. STEM OPT allows you to take on more complex roles – as long as they remain tied to your degree and meet reporting requirements.

Track reporting obligations
F-1 visa holders on STEM OPT must report to their DSO every six months and submit an annual self-evaluation (part of Form I-983). Missing deadlines can jeopardize your status, so calendar reminders are your best friend.

Switch employers the right way
You can change jobs while on STEM OPT, but your new employer must also be enrolled in E-Verify and willing to complete Form I-983. Submit an updated training plan and I-20 through your DSO as soon as the switch is confirmed.

Position yourself for the H-1B lottery
STEM OPT often serves as a bridge to H-1B status. Use this time to build a strong work track record, grow technical skills and work with immigration specialists or HR teams at your company to prepare for sponsorship.

How MPOWER Financing helps international STEM graduates stay career-ready

MPOWER Financing supports international STEM students before, during and after graduation – not just with flexible, no-cosigner student loans, but also with resources tailored to help navigate OPT and STEM OPT employment.

MPOWER students receive:

• Access to Path2Success, an exclusive career platform with a job search tool filtered for OPT, STEM OPT and H-1B-friendly roles.
  
• A resume builder aligned with U.S. recruiter expectations.
  
• Job-matching features that connect your experience to relevant roles.
  
• Financial resources to cover expenses during the job search or while waiting on EAD renewals.
  

Students can also use MPOWER loans to manage living expenses, relocate for internships or invest in job-readiness tools like laptops, certifications or short courses during OPT.

If you’re preparing for STEM OPT or already working under it, MPOWER helps you stay ready – financially and professionally.

 

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Remember: STEM OPT is a launchpad, not a pause

Three years of U.S. work authorization is more than most international students ever get. It’s a runway – so use it to take off. Plan your application early, stay organized and treat each reporting requirement as a non-negotiable.

You don’t have to do this alone. With the right employer, university guidance and support tools like those offered by MPOWER, you can turn your STEM OPT extension into a stepping stone toward long-term success.