Life in the U.S
The CISS staff understand that transitioning to a new country can be full of both adventures and challenges. We are here to support you. This page of our website focuses on the information and links to resources that you may need to make the transition to the U.S. and cultivate a sense of belonging in the Bentley community.
![]() Finances | ![]() Health | ![]() Scams / Fraud | ![]() Transportation |
Banking
Some Local Banks
- Bank of America
- Chase Bank
- Citizens Bank
- Santander Bank
- TD Bank
ATMs On-Campus:
- Bank of America
- Santander Bank
Driver's License/Buying a Car
Apply online or fill out the application.
Registry of Motor Vehicles (RMV)
Registry of Motor Vehicles – Watertown, MA
Watertown Mall
550 Arsenal Street
Watertown, MA
(857) 368-8000 or (800) 858-3926
Closest Social Security Office
135 Beaver Street, Suite 120
Waltham, Massachusetts 02452
(800) 772-1213
Use this Document Checklist to review the documents you will need to take to the DMV. In most cases, you will need the completed application and the following documents:
- Passport
- Form I-20/DS-2019
- Form I-94 (you can print it from the U.S. Customs and Border Protection website).
- Social Security card or denial letter
- If you do not have a Social Security Number, you must obtain a "Denial Letter". A "Denial Letter" can be obtained by visiting any Social Security Office with your passport, I-94 card, and I-20 (or DS-2019) and submitting an application. A representative should issue your "Denial Letter" immediately. You must apply for a driver's license within 10 days of receiving this letter.
The closest Social Security Office is located at:
135 Beaver Street, Suite 120
Waltham, Massachusetts 02452
(800) 772-1213
- Proof of Residence Address (e.g., utility bill or bank statement received in the mail with your address printed on it).
- If you live on campus the Residence Life Office can issue you a letter stating your address.
Arrive to the RMV prepared
Buying a Car
The purchase and maintenance of a car in Massachusetts can be quite expensive. In addition to the cost of the car, you are required to pay insurance, as well as sales and excise taxes. Used cars are sold through dealers and privately through the classified section of newspapers. One great online source for car reviews and average prices is Edmunds.com. We recommend that you have the cars examined by a mechanic before you buy them, and ensure that you receive a certificate of ownership along with the bill of sale. A good way to decrease the price of insurance is to bring a letter of recommendation from your insurance back home. Some insurance companies will even give you a discount if you provide them with a transcript of good grades.
Available parking can also be scarce and/or expensive, depending on where you live. To be able to park your car at Bentley, you will need a parking sticker from University Police. For more information, call the Bentley Card Office at (781) 781-2292.
Helpful Resources
Massachusetts Driver's License Application - MassDOT RMV Website
Document Checklist - MassDOT RMV Website
RMV Tips for Success - MassDOT RMV Website
Housing
On-Campus Housing
On-Campus Housing is available for undergraduate students across all years. If you plan to live on campus, please submit the Housing Contract by the published deadline. For more information about on-campus housing options, processes, and deadlines, please visit the Residential Center website. (Link) Email GA_Housing@bentley.edu with questions related to on-campus housing.
Off-Campus Housing
Waltham is a beautiful town just west of Boston with a number of popular apartment complexes and privately owned apartments and housing throughout the town. It is surrounded by the towns of Belmont, Newton, Arlington, and Watertown, which are also options for living.
Visit the Bentley University Off-Campus Housing Website to search for off-campus housing options.
Popular apartment complexes close to campus include:
Windsor Village
976 Lexington Street
Waltham, MA 02451
(781) 349-5627
Cronin Landing Apartments
25 Crescent Street
Waltham, MA 02453
(844) 283-9094
Finding a place to live off-campus can be challenging for any new student. Make sure to be a smart consumer! When renting a room or apartment, we recommend you:
- Let landlords and real estate agents know what type of rental units you are looking for (such as studio or one-bedroom; furnished or unfurnished).
- Do not rent a place that you have not seen.
- Have any repairs or maintenance work agreed to in writing by the landlord before you sign a lease.
- Be prepared to sign a lease (binding rental agreement) for one year.
- Be prepared to pay the first month’s rent, last month’s rent, and a security deposit for your room or apartment before you are permitted to move in.
Students are advised to use all resources available to them when choosing a place to live.
Phones
When you arrive in the U.S., you will need a local phone number for communication, banking, and daily life.
You have two main options:
Bring your own unlocked phone: If your current phone is unlocked, you can purchase a U.S. SIM card from providers like AT&T, T-Mobile, or Verizon, or from affordable prepaid carriers such as Mint Mobile. Sim cards can be purchased online on their websites or in store as well.
Buy a phone in the U.S.: If your phone is locked or incompatible, you can buy a new device directly from carriers or electronics stores.
Tips:
- Make sure to research the different cellphone providers and plans before deciding.
- Prepaid plans are flexible and don’t require a long-term contract or credit history.
- Monthly costs vary, usually $25–$60, depending on data and features.
- Free Wi-Fi is widely available on campus and in public spaces, which helps reduce data usage.
- Make sure your phone supports U.S. network bands before arrival.
Taxes in the US
As an international student or scholar, you are responsible for complying with U.S. state and federal tax regulations. Failing to comply with U.S. tax regulations may impact your current immigration status and future U.S. visa applications.
The information on this page is for guidance only and should not be considered financial or legal advice. Please consult a Tax Advisor with any questions.
CISS Assistance
U.S. tax regulations are complex and change frequently. CISS [LT1] staff are not trained Tax Advisors and cannot help you prepare your tax return or offer tax advice. The main source for tax information is the Internal Revenue Service (IRS) website.
CISS does offer assistance by providing you with access to a non-immigrant tax preparation tool called Sprintax.
Sprintax
CISS offers students free access to an online tax tool called Sprintax to assist international students with their U.S tax obligations. Students will receive multiple emails from CISS starting in January with the Sprintax code. Students should attend one of the free Sprintax Webinars to learn how to determine their tax filing status and how to use Sprintax to file their taxes
Sprintax Resources
Sprintax Instructions for Students
Overview of the U.S. Tax System
In the United States, there are different types of taxes: Federal, State, and Social Security/Medicare (FICA) taxes.
When you receive income, including a scholarship, fellowship, or prize, you may be subject to taxes in the U.S., and you may have to file a Federal and/or State tax return.
The process of “filing a tax return” allows individuals who have received income in the U.S. to reconcile the amount of taxes withheld from their paychecks during the year with the actual amount of taxes owed to the U.S. government. Since withholding is only an estimate, employees are given this yearly opportunity to file a tax return with the IRS. In some cases, filing a tax return results in a refund from the IRS because the amount of money withheld was higher than necessary. However, sometimes filing a tax return results in a payment when not enough was withheld, and the individual must send a payment to the IRS with their tax return.
Even if you were not employed and/or did not receive income in the U.S., you may need to complete at least one tax form called Form 8843, “Statement for Exempt Individuals and Individuals with a Medical Condition. All non-residents who are present in the U.S. for 5 years or less with F-1, F-2, J-1, or J-2 immigration status MUST file a Form 8843.
Types of U.S. Taxes
Federal Income Tax
Federal income taxes are withheld from the employee’s paycheck based on an estimate. Some countries have tax treaties with the U.S. that can sometimes reduce or eliminate federal income taxes. You can refer to IRS U.S. Tax Treaties for more information.
When you file your tax forms, you are filing for the previous year, which spans from January to December. For example, if you are filing taxes in 2026, you are submitting tax information for January-December 2025.
The tax filing deadline for this year is April 15, 2026. If you miss the tax filing deadline, you may face late filing penalties.
State Income Tax
Each state in the U.S. has separate tax regulations. It is your responsibility to be familiar with these regulations. If you worked in multiple states during the tax year, you may need to file taxes for each state separately.
Individuals who worked in Massachusetts and earned less than the minimum filing requirement do not have to file a state tax return. However, if any state tax was withheld by the individual's employer, the individual may want to file a state tax return (Form 1-NR) to be refunded for possible over-withholding.
FICA Tax/Social Security/Medicare
All U.S. residents and international “residents for tax purposes” are required to pay FICA tax (Social Security and Medicare). “Nonresidents for tax purposes” are exempt from this tax. If your employer had Social Security or Medicare taxes withheld from your paycheck in error, you can file a FICA Tax refund request with the IRS.
How to Determine if You Need to File a Tax Return?
If You Did Not Receive U.S. Source Income
If you did not receive any U.S. source income, including wages, stipends, or scholarship funds, you may only need to complete Form 8843. This form can be completed on your own, or you can use the Sprintax software. Form 8843 cannot be submitted online. It must be submitted by mail following the instructions on page 3 of the form.
If You Received U.S. Source Income
If you received U.S. source income, including wages, stipends, or scholarship funds, your employer or the University may take federal and state tax withholdings from your paycheck, stipend, or financial aid. The amount of taxes that are withheld is an estimate. Filing a tax return may allow you to receive a tax refund for overpaid tax withholdings.
Follow the steps below:
Step 1: Determine Your Tax Filing Status
The first thing to do is to determine your tax filing status. International students could be considered either nonresidents or residents for tax purposes. Most Bentley international students will be “nonresidents” for tax purposes. If you have been in the U.S. for 5 years or more, you may be considered a “resident” for tax purposes.
If you do not know your tax filing status, Sprintax will help you determine if you are a resident or nonresident for tax purposes. Sprintax is only useful for nonresident tax filers.
Step 2: Collect Your Tax Documents
To prepare to file your tax return you will need to collect your tax documents and have your immigration documents available. If you received U.S. source income, you should receive one or more tax documents from your employer and/or the Bentley Payroll Office indicating the type, source, and amount of income that you received.
You may receive the following documents:
- Form W-2 - Form W-2 shows your earned wages and compensation, including federal taxable income and withholding, and state taxable income and withholding. The form is typically available in Workday by the end of January if you were employed by Bentley.
- Form 1042-S - The Form 1042-S reports federal taxable income and withholding on stipends, scholarships, or fellowships, and income covered by a tax treaty (if applicable) above the cost of tuition and required fees. This document is usually issued by March 15th.
- Form 1099 - Issued for miscellaneous income, such as freelance or contract work
- Schedule H-C - issued by your health insurance company to confirm your health insurance coverage (KEEP this form as you may need it if you file a Massachusetts state tax return)
Copies of your tax documents from Bentley are available to you electronically in Workday. If you cannot access these form(s), please contact the Bentley Payroll Office.
Step 3: Use Sprintax to Help You Prepare Your Tax Return
The Sprintax code will allow you to use Sprintax to prepare your federal income tax return. If you need to file a state income tax return, you can pay an additional amount through Sprintax directly, OR you can file your state tax return using a tax resource of your choice. Start by creating an account in Sprintax and then follow the instructions as you answer the questions. The Sprintax tool will use the information that you enter to complete the appropriate tax forms for you.
Step 4: Submit Your Tax Return
Sprintax has begun to offer electronic filing for tax returns in some cases. However, you may be instructed to print out and mail your completed tax return. If so, be sure to follow the Sprintax instructions carefully. Keep copies of all of your documents for your records.
Helpful Resources
- Tax FAQs
- IRS Publication 519 — "U.S. Tax Guide for Aliens" contains the "Substantial Presence Test," which helps determine your residency for tax purposes.
- IRS Publication 901 — "U.S. Tax Treaties" describes tax treaties that may affect your filing.
- About Form 8843 — Internal Revenue Service (IRS)
- Information for International Taxpayers — Internal Revenue Service (IRS)
- Free Tax Return Preparation for Qualifying Taxpayers — VITA Program (Volunteer Income Tax Assistance)
- Instructions for Form W-8BEN (pdf)
- Supplemental Form W-4 Instructions for Nonresident Aliens (pdf)
Scams/Fraud
International students and scholars may receive scam calls from individuals who claim to be government officials (FBI, USCIS, IRS, Detention Centers, 911) using fake phone numbers that can imitate government agencies.
Sometimes, these callers demand personally identifiable information (financial information, bank account numbers, SSN number, etc.) or payment of “fees” via wire transfer or gift cards to resolve what they claim to be a problem with your immigration status or taxes, and that you are under surveillance and at risk of deportation.
They may also tell you that contacting any other individual or referencing another source regarding the issue may result in serious consequences or deportation. These calls are false. Even if the caller knows information about you already, do not share any additional information or financial information with the caller.
Important Reminders:
- Government agencies will not call you to demand payment over the phone, even if you owe money or have not paid a fee. Any communications will occur in writing via official government mail.
- 911 will never call you. The only time that 911 may show up on your caller ID is in the case of a widespread emergency or safety advisory in your area. These are generally pre-recorded messages.
- The government will never ask you to pay a fee via a particular payment method (such as wire transfer, gift cards, etc.).
- The government will not ask for personal, financial, SSN, bank account information, credit, or debit card numbers over the phone.
- The government will not threaten arrest or deportation for late payment of a fee.
- A government agent cannot remain anonymous. They are required to give badge information.
What if I receive a similar call from someone claiming to be a government official?
- Do NOT share any personal or financial information, and do NOT transfer any money.
- Ask for the name and contact number for whoever is calling, along with a badge number.
- HANG UP. Do not answer additional calls from that number.
- Report the scam to the Federal Trade Commission at https://www.identitytheft.gov/ 5) Call Bentley University Police’s non-emergency number at 781-891-2201 to report it to the university. Then call CISS at 781-891-2829 or email GA_CISS@bentley.edu to report it to the Center for International Students and Scholars.
What if I already gave them information or money?
- Call Bentley University Police’s non-emergency number at 781-891-2201 to file a report. Unfortunately, in most cases, the police will not be able to recover any lost money. However, the police report is useful in making other credit protection measures moving forward.
- Notify the CISS that you have been subject to a scam.
- If you disclosed your Social Security Number, report this to the SSA.
- Report the scam to the Federal Trade Commission: https://www.identitytheft.gov/ and research a plan to monitor your credit and potential fraudulent activities.
Why was I targeted?
Bentley University does not disclose information about your student or immigration status. Frequently, scammers use information available publicly online via social media and other websites to make an informed assumption about your status. To further protect yourself from potential scams, you may wish to:
- Check your LinkedIn and related accounts. Remove any contact information (other than email, if required).
- Check your social media accounts, particularly if they are public.
- Remove your phone number from these accounts, and be mindful of what you post online.
- Check if your contact or other personal information is available via online directories. You may inquire about getting these listings removed.
For any questions regarding scams, your status, or immigration-related fees, contact the Center for International Students and Scholars at GA_CISS@bentley.edu or call 781-8912829.









