Moving from Nepal to a U.S. university changes your daily rhythm. People speak more directly, time runs on calendars and money rules feel different. You can adapt fast with a few simple scripts and small weekly habits. This article shows seven common surprises, how to respond with confidence and a short practice plan for your first week.
Start with your international office. Ask where to find campus mentors, free workshops and the quickest way to reach help after hours. Visit one student group that feels familiar and one that is new. Many Nepali students like hiking clubs, service groups or tech meetups. A weekly meeting gives you a home base and friends to ask when you feel stuck.
Practice short scripts you can reuse in any setting:
Take care of basics early. Learn how health insurance for international students works at your university, where urgent care is and how to reach campus safety. Open a bank account, set up a simple budget in dollars and read a quick guide on how to build credit in the U.S. so phone plans and rentals are easier to obtain over time. Small systems reduce stress and leave more energy for study and friends.
MPOWER Financing serves international students with funding at eligible universities without a U.S. cosigner or collateral in Nepal. In the U.S., funds can be used at eligible universities for approved education costs such as tuition, fees and living expenses listed by your university. For eligible Canadian programs, funds cover tuition and university-invoiced expenses. Clear funding helps you say yes to lab gear, transit and housing deposits without leaning on high-interest credit cards.
Fixed rates and straightforward funding documents make budget planning simple. You can estimate total costs for the year, borrow only the shortfall after scholarships and keep your monthly plan realistic for the long term. With money steady, you can focus on international student internships and classes, not on surprise bills.
If a private education loan fits your plan, check your university’s eligibility and confirm how disbursement works under an education loan in the USA. Keep approvals in the same cloud folder as your campus and visa papers so everything stays organized.
Day 1: Map your campus.
Walk your class routes and find the international office, library, student center and urgent care. Save each location in your phone.
Day 2: Set your digital basics.
Create a calendar for classes, labs and office hours. Add alerts 15 minutes early. Set email on your phone and draft one polite template for professors.
Day 3: Join two communities.
Attend one student meetup and one open club. Say hello to a club member and ask when they need volunteers.
Day 4: Handle your money.
Open a bank account, set up direct deposit if you will work on campus and pick a low-cost phone plan. Review last month’s spending to start your budget.
Day 5: Practice speaking up.
Visit one professor’s office hours with a real question. Use your short script and take notes. This builds confidence fast.
Day 6: Plan for health and safety.
Save your health plan card, urgent care address and campus safety number. Pack a small kit with meds you use, a water bottle and a snack.
Day 7: Explore and rest.
Take a short walk in a park or museum. Share photos with family during a planned call. A steady routine makes culture shock smaller each week.
DISCLAIMER – Subject to credit approval, loans are made by Bank of Lake Mills or MPOWER Financing, PBC. Bank of Lake Mills does not have an ownership interest in MPOWER Financing. Neither MPOWER Financing nor Bank of Lake Mills is affiliated with the school you attended or are attending. Bank of Lake Mills is Member FDIC. None of the information contained in this website constitutes a recommendation, solicitation or offer by MPOWER Financing or its affiliates to buy or sell any securities or other financial instruments or other assets or provide any investment advice or service.
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