Having recently graduated, I want to share what I’ve learned about the logistical tasks and challenges that I encountered moving to the US from Canada.
Visa
- As a student, you will be on an F1 visa, which the school will help you to obtain before you travel to the US. The process can be a little daunting. You have to do some registration online, and receive something called an I-20 form, which you take to the border to obtain F1 visa status. Note: I’m not an immigration lawyer, and this is not legal advice.
- Once it is time to apply for residency, the visa situation becomes a little trickier since there are more options and things to consider (see my Applying to Residency post for more information on that).
Financing Tuition
- Tuition is very expensive in the US compared to Canada. You can expect to spend anywhere between $400-$500K CAD in tuition + living expenses over 4 years. The same in Canada might run you “only” $250K CAD.
- The banks in Canada are able to lend up to around $250-350K, but you will need a co-signer for that loan or put up collateral. You may also need to apply for an extension or another line of credit entirely once you’ve up the line of credit during your education and training.
- OSAP is actually able to contribute a little bit too. I applied for OSAP each year and got around 5-10K CAD each time. It’s a drop in the bucket, but it helps.
- You cannot obtain student loans from the US government because you are (presumably) not a US citizen.
- Typically, people use a combination of Canadian loans, OSAP, and family support to finance their medical education in the US.
Social Security
- For a lot of things in the US like credit cards, phone plans, etc., you’ll need a Social Security Number (SSN).
- In order to obtain an SSN, you’ll need to find employment while you’re a student. In my case, I applied to be an academic tutor for the university. Once employed, the school provided me with paperwork to apply for a social security number.
- Aside from employment, I’m not sure what other ways exist to obtain an SSN.
Identification
- It’s possible to obtain a US license, and depending on the state, you may be required to (see my Automotive) section below. However, in case you are not driving or using your Canadian driver’s license, you can still apply for a state ID card (it isn’t a driver’s license, but functions as a government-issued ID) for when you need to prove your age. I got tired of having to show my passport just to return something at Walmart.
Banking
- Before you get an SSN, you’ll need to find a bank that will open a card for you without requiring an SSN. I don’t know how many are out there, but I personally used Wells Fargo as my first bank account. I told them I was a Canadian here on a visa and they had no issue with that. Once I got my SSN, I quickly switched to a better bank (Charles Schwab) and applied for my first credit card (Discover). I’m personally not a fan of Wells Fargo.
- As far as credit cards go, I went with Discover as I heard they were pretty easy to get approved for with little-to-no credit history.
- A friend of mine was recently able to open up a Chase checking account with only her passport, address, and a utility bill.
Cellular
- Before I got my SSN, I was on a prepaid phone plan with AT&T. I paid around $350 each year, once a year. I had calling/texting and 8GB of monthly data that would roll over each month. It also worked in Canada, which was a huge plus. Once I got my SSN, I switched over to a postpaid plan with more benefits.
Automotive
- This was the most mind-numbing logistical challenge of moving to the US. I saved the best for last. Long-story short, I recommend buying a car from the US if you can.
- Many states require people to “register their cars within X days of moving to the state”, or some variation of that rule. If your car is Canadian, you would have to first import your car at the border before being able to register it in your state.
- However, medical students and resident physicians don’t exactly have to follow that registration rule since they’re not permanently moving to the state and are technically only there temporarily for their education/training. Consequently, you won’t have to import your car and can continue using your Canadian license plates. However, once you’re done your training, you may then need to figure out how to import your car or simply buy an American car.
- Importing your car can be a simple process, but only if your car is more than 20-25 years old OR has a digital gauge cluster that can switch to MPH from KMH, as well as a TPMS (Tire Pressure Monitoring System). Unfortunately my car is a 2017 model and does not have TPMS, so I am unable to import my car.
- Secondly, if you do end up using your Canadian-registered car in the US, you may still be required to obtain a US driver’s license. Some states may offer to exchange your Canadian license for the US one, but that depends on the state. I personally had to apply for a new driver’s license from scratch.
- There are two insurance companies that I know of who will insure Canadian cars: GEICO and Progressive. I’m with GEICO and I use a Canadian-registered car with Ontario plates, and I have a US driver’s license.
- Each step along the way, I verified these rules and regulations with my local BMV, and I recommend you do the same, as you might find that these rules could be different in different states.
There is so much minutia within each of these subtopics that I feel comfortable guaranteeing that I probably missed something. If you have questions or want to get in touch to discuss any of the above topics, please feel free to reach out to me through any of the avenues linked in the sidebar. Thanks for reading and best of luck.








