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Shachi Mall

Is studying in the USA in 2026 still worth it? Pros, cons and a reality check

By Shachi Mall· June 1, 2026Updated June 2026· 6 min readF1 Student Visa

Enrollments at US universities dropped by 40–45% last year, and that single fact changes everything about whether 2026 is the right year for you to go — or not. Here is an honest look at the real advantages and the real risks, plus five questions that will tell you which side of the decision you belong on.

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Over the last five years I have worked with thousands of students preparing for the US visa interview. 2025 was one of the most dynamic years I have seen — a wave of policy changes, a noticeable shift in the economic environment, and a significant drop in the number of students choosing to go. That drop creates both opportunities and risks, and I want to walk you through both honestly. If you cannot handle even one of the cons I am about to share — emotionally or financially — then postponing is the right call. But if you can say yes to the five questions at the end of this article, 2026 still makes a lot of sense.

The three real advantages of going to the USA in 2026

Pro 1: It is easier to get into a better-ranked university right now

There is a straightforward mismatch in supply and demand at the moment. Fewer students are applying for the same number of seats, which means your profile has a much better chance of standing out. Enrollments were down by 40–45% last year, and this year the drop is expected to reach 50–55%. That is a massive shift. I saw this play out directly in 2025 — we had a noticeably higher number of students applying to Cornell, Yale, Harvard, and Columbia than in any of the previous years I have been doing this work. If your goal is a top-ranked or Ivy League university, 2026 gives you the best opening I have seen in years.

Pro 2: Merit-based scholarships are more accessible

This follows directly from the enrollment drop. When universities are competing harder to attract the right students, one of the tools they use is merit-based scholarship. When a scholarship appears on your I-20, it is also clearly visible to the visa officer and works in your favour at the interview. With enrollments down, you have more leverage to negotiate with universities and secure that funding than you would in a normal year.

Pro 3: You will graduate into a less crowded market

There was a surge of students who went to the US in 2022, 2023, and into 2024 — partly because many had postponed plans during COVID, and partly because the US embassy in India opened up a very generous number of interview slots during those years, with no restriction on getting a slot even after a refusal. That surge created an oversupply situation where entry-level jobs, internships, and paid opportunities became far more competitive and profiles started getting lost in the clutter. The reduction in enrollments in 2025 and 2026 will begin to rebalance that. By the time you graduate — roughly two to two and a half years from now — you could be entering a meaningfully different market.

The four cons you need to take seriously

These are not theoretical risks. They are real. If any one of them feels like something you genuinely cannot cope with, please take that seriously before you commit.

Con 1: The job market may still be slow when you graduate

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There is already a visible hiring freeze in some sectors and a general dip in hiring sentiment. It is entirely possible that this market slowdown continues for another two to two and a half years — which is exactly when you would be finishing your degree. Even if you are talented and graduate from a strong university, landing your first role could take longer than you expect and require more interviews than a typical cycle. You need to be prepared for that reality before you go.

Con 2: An education loan can become a serious burden

Many students finance a significant portion of their US education through a loan — sometimes 50% or even 60% of the total cost. The standard plan is: graduate, get a job, earn in dollars, repay comfortably. In the current environment, that plan may get stretched. If it takes longer than expected to land a paid position, your repayment period will have started but your income has not. Your family will need to step in during that gap. Before you take on an education loan, have a very honest conversation about whether your family can absorb that transition period without it creating serious financial stress.

Con 3: Policies can shift and you need to be okay with uncertainty

2025 saw a lot of new policies and rules introduced, many of them directly affecting students. Honestly, very little of it has been fully implemented on the ground — much of it remained at the level of discussion and agenda. But you cannot assume stability. Over the next two to two and a half years, there will likely be more changes and flip-flops in policy. You need to come with the mindset that things may shift and you are prepared to adapt, rather than assuming that the rules in place today will be the rules when you graduate.

Con 4: You may end up returning to India — and that has to be okay

Even if you graduate from a top school with strong grades, there is a genuine possibility that you do not land a job in the US and need to return to India. How you experience that outcome depends entirely on the perspective you bring. If you spent your time building real skills, a strong network, and genuine confidence, then returning home is not failure — it is a foundation you can use to build a career in India or anywhere else. But if your entire plan depends on staying in the US as the only acceptable outcome, you are setting yourself up for a very difficult experience. The possibility of returning home should always be one of the options you are genuinely at peace with before you leave.

The five questions that will tell you if 2026 is right for you

Studying in the US is no longer a quick, short-term bet. There were days when you could study almost anything, get a job easily, and make money fast. That window has closed. It is now a long-term game, and it rewards people who are genuinely in it for the right reasons. Here are the five questions I want you to answer honestly. If the majority of your answers are yes, then 2026 makes sense for you.

1. Do I genuinely want the university experience and the growth that comes with it — not just the outcome?

2. Do I have a controlled financial plan and am I free of a crushing financial burden?

3. Can I block out the noise around the job market and focus on building myself for the next two to three years?

4. Am I willing to build skills aggressively and treat this seriously, not casually?

5. Am I okay if the outcomes take longer than expected?

One more thing I want you to hold onto as you make this decision: two to three years from now, the environment you graduate into will look very different from today — likely a different government, a different economic cycle, a different hiring landscape. Do not judge the opportunity only by what you see right now. Keep that two-to-three-year lens in view.

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Shachi Mall, U.S. visa interview preparation expert

Shachi Mall

U.S. visa interview preparation expert. Has helped 1000+ applicants prepare for F1, B1/B2, H1B, L1 and other non-immigrant visa interviews using the STAMP method.