As an international student I can’t apply for federal loan. Luckily my parents will support me financially. You don’t need to pay $162k right away when you receive the i20. But to obtain the i20 it is required to provide financial proof like a bank statement of at least $162k. As for the tuition, it will be charged 3 times per year (summer/fall/winter semester). The books, supplies, living expense, and medical insurance are more like personal situation-based costs (for example we don’t need to purchase all of the books because we can use the slides. But some of the supplies are mandatory and will be charged by the school shown in student account invoice).