Heading to college? You must have already decided how you’ll pay for the biggest expense in the room- tuition fees. Maybe you’ve even considered applying for a loan to cover it. But, what about the costs that don’t appear on your college bills?

College hidden costs like books, groceries, etc., may seem small at first, but they can pile up pretty quickly. However, there’s no reason to worry because, with a personal loan, you can cover both your tuition as well as the hidden costs.

Looking for a list to help you out? We’ve got you covered with this one.

Course materials

In college, professors refer to multiple textbooks while teaching a class, and you as a student have to do your best to keep up. So, you have four options-buying the hard copies of all the textbooks, buying their soft copies, renting them out, or printing individual pages out for future reference. Whatever option you choose, there’s no denying that the costs can pile up.

Transportation and parking costs

If you’re staying off-campus in a different city, you shouldn’t ignore transportation costs.Using public transit to reach campus? You probably need a monthly, quarterly, or yearly pass. But, if you’re buying your own vehicle, you need to factor in fuel costs, meter, a commuter parking pass, and sometimes a parking garage too.

Sure, you opt for a cheaper mode of transport. But, when you’re getting a personal loan for college hidden costs, always factor in the most you can spend in case things don’t go according to plan.


Today, a computer and a stable internet connection are not a luxury but a necessity. If you’re moving places for college, a laptop and a good WiFi connection are a must. Many students also buy personal printers while moving to college because they make printing notes, assignments, etc., more convenient. However, remember to include the associated costs like printer paper and ink cartridges while getting a printer.

Additional Read – Facts you need to know about Education Loan


This is another major cost you must factor in, especially if you’re not receiving accommodation on campus. Most students rent their apartments because it is cheaper, but these require paying a deposit in advance on top of monthly rent. Naturally, the costs add up. To put some perspective, often accommodation expenses are the highest costs students need to bear after tuition fees.

The good news is you can cover them easily through loans at competitive personal loan interest rates.


Of course, if you’re staying off-campus, groceries and food are necessary expenses. But even if you’re staying in your campus dorm, account for snacks and occasional meals in your budget and allocate funds accordingly.

Additional Read – How to get Education Loan for Higher Studies in USA explained


While our list covered the basic hidden college expenses like course materials, housing, etc., additional costs can always crop up.

However, you can always finance your expenses with a loan from a credible lender like Tata Capital. We offer perks like flexible tenures, easy-to-meet eligibility terms, and tailor-made funding. The best part? You can calculate your EMIs with our personal loan EMI calculator before getting the loan.

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