Hi, I'm an international undergrad student having major in Physics. I've got the offer to transfer my credits to: 1. Hong Kong University of Science & Technology. (Annual costs approx. 19000 USD) 2. University of Manitoba, Canada. (Annual costs approx. 21000 USD) 3. Louisiana Tech University. (Annual costs approx. 20000 USD) I've got some reservations: I wanna have my M.S & Ph.D completed at one of the top North American Universities (specially in the U.S). I got to know that for M.S & Ph.D the top universities in U.S accept 25% students from outside the U.S. Other 75% comes from within the U.S. Also, I can't spend a lot for my undergrad study. So I've chosen these universities. Which University is more likely to cost less than the others(i.e. scholarships/ financial aids/ student loans)? Which university do you suggest (from where I can really study Physics & get a chance to have my M.S & Ph. D in the U.S)?