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Top 10 Credit Score Tips for International Students in the U.S.

A good credit score is essential for financial success in the U.S. It helps you rentapartments, get better interest rates on loans, and even apply for jobs. Sinceinternational students start with no credit history, building and maintaining a goodscore is crucial. Here are ten important tips to help you establish and improve yourcredit score. Final ThoughtsBuilding credit as an international student takes time, but responsible credit carduse and on-time payments will help you establish a strong credit score. Start early,be consistent, and watch your financial opportunities grow!

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Top 10 Banking Tips for International Students in the U.S.

Opening and managing a bank account in the U.S. is essential for handling tuitionpayments, rent, and daily expenses efficiently. As an international student,understanding the banking system can help you avoid high fees and maketransactions easier. Here are ten crucial tips to help you navigate banking in theU.S.  U.S. Address Proof (apartment lease, university housing letter, or utilitybill) Social Security Number (SSN) or ITIN (if available, but not alwaysrequired)Some banks allow you to open an account without an SSN, but you may need tofill out extra forms.  Keep track of your account balance to avoid surprise charges.Some student-friendly accounts offer fee-free overdrafts up to a certain limit. Final ThoughtsBanking in the U.S. doesn’t have to be complicated. By choosing the right bank,managing your money wisely, and avoiding unnecessary fees, you can have asmooth financial experience as an international student.

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Top Six (6) Essential Actions Every International Student must take upon Arriving in the U.S. 

1. Check-In with Your International Office & SEVIS Activation This is your first official step in staying compliant with U.S. immigration law. F-1 visa holders must validate their arrival by checking in with their university’s Designated School Official (DSO). Your SEVIS record must be activated within 30 days of your program start date. What to do: Tip: Always keep copies (physical and digital) of these documents organized — they are your lifeline. 2. Find Safe, Affordable, and Convenient Housing Housing affects everything from academic focus to emotional well-being. A poor living arrangement can lead to isolation, mental stress, or financial strain. What to do: Tip: Prioritize housing that is close to campus or on a bus route and includes heating (important in cold states like Michigan). 3. Set Up a U.S. Bank Account & Mobile Connection You’ll need a bank account to receive funds, pay rent, and avoid carrying cash. A U.S. phone number is essential for everything from receiving verification codes to applying for jobs or even ordering food. What to do: Tip: Choose banks with no monthly fees and mobile apps that are easy to use. 4. Attend International Student Orientation & Campus Onboarding Orientation is more than a welcome — it’s a survival toolkit for succeeding in an American academic and social environment. What to do: Tip: Ask questions. Orientation leaders expect it, and your future self will thank you for paying attention now. 5. Apply for a State ID or Driver’s License (Even If You Don’t Drive) Your passport alone is not sufficient identification for many everyday activities in the U.S. A state ID makes life easier when dealing with banks, police, or even at concerts and stores. What to do: Tip: If you plan to drive, start reading your state’s Driver’s Handbook and prepare for both written and practical tests. 6. Join a Supportive Community of Fellow Students Navigating a new culture alone can lead to burnout, anxiety, and a sense of disconnection. Building relationships with other international and domestic students gives you emotional support, shared resources, and a sense of belonging. What to do: Tip: Don’t be afraid to ask for help. Many others have been in your shoes and are happy to support you.

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