Every year around 80,000 Indian student comes to America for higher studies. Lot of these student (atlest 90 %) take loans from their relative or from bank. These students live in cheap neighbour hood around university. Other American student live in Droms. In America, People who goes to college for higher education are predominatly from well off families. These guys in cheap neighbourhood, mistaken these Indian students to be rich. My advise to all student who wants to America is to try to find a apartment in average neighbourhood. Also always carry atleast $ 10 in your pocket, because sometimes that can be life saving for you. These guys get pissed off if you don't have money. Remember their is a price of security in America.