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Student Employment
Part-Time Jobs for International Students: Rules, Options & Pay Rates
Updated: January 2026
Reading time: 9-11 min By Study Abroad Loans Team International students on F-1 visas can legally work in the United States under specific conditions—earning $800-$1,200 monthly through on-campus jobs during the academic year, $2,500-$4,000 monthly through summer internships via CPT, and $5,000-$7,500+ monthly through post-graduation OPT employment. Understanding work authorization rules helps you reduce education loan needs, gain valuable experience, and build professional networks while maintaining full visa compliance. The challenge: F-1 visa work restrictions are complex, violations can terminate your visa status, and the penalties for unauthorized employment are severe—yet legal work opportunities exist that most students underutilize. Many international students don’t realize they can earn $15,000-$20,000 over two years through on-campus employment alone, significantly reducing loan requirements and providing crucial US work experience for post-graduation job searches. This comprehensive guide covers everything international students need to know about legal employment: on-campus job types and pay rates, Curricular Practical Training (CPT) for paid internships during your program, Optional Practical Training (OPT) for post-graduation employment, how part-time income reduces education loan needs, strategies for finding the highest-paying positions, tax obligations and Social Security Number requirements, and critical compliance rules to maintain visa status. Whether you’re arriving as a freshman or starting graduate school, understanding your work authorization can add tens of thousands of dollars to your budget while building career-critical experience.
F-1 Visa Employment Rules: What You Must Know
|
| Field | Hourly Rate | Summer Total (12 weeks) |
|---|---|---|
| Software Engineering | $35-$55/hour | $16,800-$26,400 |
| Data Science/Analytics | $30-$45/hour | $14,400-$21,600 |
| Engineering (Mech, EE, Civil) | $20-$32/hour | $9,600-$15,360 |
| Finance/Consulting | $25-$40/hour | $12,000-$19,200 |
| Marketing/Communications | $18-$28/hour | $8,640-$13,440 |
Tech internships at major companies (Google, Microsoft, Amazon) often pay $40-$55/hour plus housing assistance = $20,000-$30,000 total summer compensation
Full-Time vs Part-Time CPT
Part-Time CPT (20 hours/week or less): Can use unlimited part-time CPT during your program without affecting OPT eligibility. Allows working internship while taking classes.
Full-Time CPT (more than 20 hours/week): Using 12+ months of full-time CPT eliminates your OPT eligibility. This is critical—if you do full-time summer CPT for 3 summers (12 months total), you lose post-graduation OPT.
Strategy: Limit full-time CPT to less than 12 months total if you want OPT after graduation. For example, 2 summer internships (6 months total) preserves OPT eligibility.
Optional Practical Training (OPT): Post-Graduation Employment
OPT Basics: Your Primary Post-Graduation Work Authorization
Standard OPT: 12 months work authorization in your field of study after completing degree. Available to all F-1 graduates regardless of major.
STEM OPT Extension: Additional 24 months for STEM graduates (Science, Technology, Engineering, Mathematics designated programs) = 36 months total work authorization.
Application Timeline: Apply 90 days before graduation, no later than 60 days after graduation. Most students apply during final semester.
Cost: $410 USCIS application fee + $85 biometrics = $495 total
OPT Salaries: Full-Time Professional Positions
OPT provides full-time employment at professional salaries:
- Computer Science: $88,907 average starting ($7,409/month)
- Engineering: $80,482 average starting ($6,707/month)
- Business/Finance: $63,608 average starting ($5,301/month)
- Data Science: $85,000-$95,000 typical ($7,083-$7,917/month)
OPT income enables aggressive student loan repayment while working in US. Many international students repay $60,000-$80,000 loans within 2-3 years using OPT earnings.
Maximizing Your Earnings: Pay Rate Strategy
The Earnings Progression Strategy
Freshman Year: Start with accessible position ($10-$12/hour × 15 hours/week × 30 weeks = $4,500-$5,400 first year)
Sophomore Year: Secure better position through experience ($13-$15/hour × 18 hours/week × 30 weeks = $7,020-$8,100)
Junior/Senior Year: Premium positions as experienced worker ($15-$18/hour × 20 hours/week × 30 weeks = $9,000-$10,800)
Summer Internships (CPT): After first year, pursue paid internships ($25-$40/hour × 40 hours/week × 12 weeks = $12,000-$19,200 per summer)
4-Year Undergraduate Total: $35,000-$50,000+ earned through strategic employment progression
2-Year Master’s Total: $15,000-$25,000 on-campus + $15,000-$25,000 summer internship = $30,000-$50,000 total
How Part-Time Work Reduces Education Loan Needs
Real Financial Impact: Master’s Student Example
Scenario: 2-year Master’s program, $100,000 total cost
Without Working:
- Total cost: $100,000
- Family contribution: $20,000
- Scholarships: $15,000
- Loan needed: $65,000
With Strategic Employment:
- On-campus work: $15,000 over 2 years
- Summer CPT internship: $18,000
- Total earned: $33,000
- Loan needed: $32,000 (reduced by 51%!)
Result: Working reduces loan from $65,000 to $32,000—saving $33,000 in borrowing plus thousands in avoided interest.
How to Find On-Campus Jobs
Start Before Arrival
Many universities post job openings online accessible to admitted students:
- Check university employment website for student positions
- Email department coordinators in your major expressing interest
- Contact professors about research assistant opportunities
- Apply for positions 2-3 months before semester starts
- Some students secure jobs before arriving in US
Apply Early and Often
Timing is Critical: Best positions fill within first 2 weeks of semester. Apply immediately upon arrival or before.
Cast Wide Net: Apply to 10-15 positions, not just 2-3. Many positions receive 50+ applications—volume increases odds.
Follow Up: Email hiring managers 3-4 days after applying expressing continued interest.
Taxes, Social Security Numbers & Banking
Getting Your Social Security Number
When: Apply for SSN after securing job offer. You cannot get SSN without job offer letter.
Process: Take job offer letter + I-20 + passport to Social Security Administration office. Processing takes 2-3 weeks.
Cost: Free—Social Security Number application has no fee.
Important: Employer cannot pay you until you have SSN. Apply immediately upon receiving job offer.
Tax Obligations
Federal Income Tax: Most F-1 students are exempt from federal income tax on first $5,000-$10,000 depending on tax treaty with home country. Check your country’s specific treaty.
State Income Tax: Varies by state—some states (Texas, Florida, Washington) have no income tax. Others tax 3-7%.
Social Security & Medicare: F-1 students generally exempt from Social Security (6.2%) and Medicare (1.45%) taxes for first 5 years. If employer deducts these, you can claim refund.
Filing Requirements: Must file tax return by April 15 annually even if no tax owed. Use Form 8843 and Form 1040-NR.
Frequently Asked Questions
Can international students work part-time in the USA?
Yes. F-1 students can work on-campus up to 20 hours/week during academic year and full-time during breaks. On-campus employment doesn’t require special authorization—just Social Security Number and job offer. Off-campus work requires CPT (internships during program) or OPT (after graduation). Working off-campus without authorization is illegal and jeopardizes visa status.
How much can I earn working on campus?
Typical earnings: $800-$1,200/month during academic year (20 hours/week at $10-$15/hour), and $1,600-$2,400/month during summer (40 hours/week full-time). Over 2-year Master’s program, students typically earn $15,000-$25,000 total through on-campus employment. Research assistantships and IT positions pay higher rates ($15-$25/hour) than food service or retail.
Can I do Uber or DoorDash as an F-1 student?
No. Gig economy jobs (Uber, Lyft, DoorDash, Instacart, etc.) are off-campus employment not authorized under F-1 visa regulations. Working these jobs without proper authorization constitutes illegal employment, can result in visa termination, and creates problems for future visa renewals or status changes. Stick to on-campus employment, CPT internships, or post-graduation OPT.
What happens if I work more than 20 hours during semester?
Working more than 20 hours/week during fall or spring semester violates F-1 regulations. If discovered during visa renewal, status change, or USCIS review, consequences can include: visa termination, requirement to leave US, deportation, and difficulty obtaining future US visas. The 20-hour limit is strictly enforced—employers track hours through payroll. Never exceed this limit even if employer offers more hours.
Do I need to pay taxes on my part-time job income?
Maybe. Most F-1 students have tax treaties with US exempting first $5,000-$10,000 of income from federal tax. You’re generally exempt from Social Security and Medicare taxes for first 5 years. You must file tax return annually (Form 8843 and 1040-NR) even if no tax owed. Consult your international student office or tax professional familiar with F-1 taxation—each country’s treaty differs.
Sources & References
All information sourced from authoritative sources:
1. U.S. Department of Homeland Security – USCIS
F-1 student employment regulations, CPT and OPT rules.
2. NACE Salary Survey 2025
Starting salary data for OPT employment by major.