Unofficial Waterloo USA Co-op Guide

Living in the USA as a co-op student.

Posted: December 29, 2025 - Last Updated: December 29, 2025 - Tags:
#waterloo
#co-op
#guide

Disclaimer: You should not treat this as an unofficial document that is not endorsed by the University of Waterloo or any of my employers. Please treat everything with caution and note that I'm still just a student.

Four months ago, for the first time in my life, I got to both work, and live in the USA.

Like many others, I was a tad bit worried about everything and so I found many guides online:

  1. Stephen Holiday's Guide
  2. Anthony Zhang's Guide

As you may notice though, these were written and last updated around 2017, and now, almost a decade later, I thought I'd provide my own thoughts and experiences on the entire process and what you need to look out for.

Obtaining a Visa

One of the biggest barriers to working in the USA is just simply obtaining a Visa. Thankfully, Waterloo makes this somewhat simple for the employer and you. I was lucky enough to go through Cultural Vistas which is one of the standard companies that Waterloo works with.

They made the process somewhat simple (I imagine it would take a lot longer without them.) Prepare to still provide a lot of documentation, this is what I remember roughly had to be filled in:

  1. Program Start/End Dates
  2. Total Available Funds/Compensation from your company
    • You will have to list out general costs here, e.g. rent, monthly entertainment, personal care, travel, etc.
  3. Previous Visa Info if you have any
  4. Short essays (1 paragraph) on why you want to work in the USA
    • You may also have to provide proof of English Fluency
  5. Emergency Contact Information
  6. Education information (Program Details, expected graduation dates)
  7. Previous Employment
  8. Company contacts
  9. You will also have to either provide proof of insurance or simply use their plans, more on that below
  10. Throughout this entire process you'll also need to upload other documents here and there:
    • Academic Docs: Proof of Enrollment, School Transcripts, Passport Images, Employment Letter, Resume/CV

It took around 1 month for the entire process from start to finish, it may be shorter for you since I had to fix and update some other documents at their request. They were pretty good at communicating and responded quickly (within 24 hours), at the time of this writing it cost around $1,125 which my company paid on behalf of me, you can find up to date prices here

Paperwork

Once everything is all clear with your Visa, you should receive a multitude of documents, these will include:

  1. DS-2019: Certificate of Elibility for Exchange Visitor Status Non Immigrant, 1 Page This document needs to be signed by you, read carefully as certain sections need to be left empty

  2. DS-7002: Training Placement Plan, Lots of Pages This will be filled in by your employer and basically asks them to explain what you'll be doing and learning during your training, you do not have to sign anything here.

  3. SEVIS I-901 Payment Confirmation: Payment to participate in this program Cultural Vistas will pay this fee for you, but essentially you have to pay $220 to participate in the program and this receipt proves that it has been paid.

Print all of these out, and keep them ready and with you when you prepare to enter the USA.

In addition, you should also print out:

  1. Offer Letter
  2. Resume*
  3. Proof of Funds*, I just asked for a "Personal Assessment" from TD which shows all my balances and accounts
  • From what I remember these weren't examined by customs but you might as well bring these just in case, it's one extra page...

Finally, you will need to pay the I-94 fee, to do this go to: link. It's $6 and can be done up to a week in advance of entering the country.

Make sure to check this frequently since it will tell you what you were admitted into the country for. You should see a J1 status, not entirely sure what you have to do if this isn't what you see but you can consult other guides.

Traveling during your Internship

You do not have to worry about anything if you're traveling within the USA, flights, busses, trains are all ok. However, if you're planning on leaving the USA you will have to first notify your Visa sponsor and will likely need an updated DS-2019.

I did not leave the USA during my internship so I would just follow whatever general process your sponsor asks you to follow.

Social Security Number

Apply for this ASAP! This has changed a lot from what other guides described from what I had to go through.

Cultural Vistas recommended waiting 2 weeks, but it should be fine to do this earlier so long as you wait a few days after entering the USA.

The general process looks like this:

  1. Get an Appointment I WASN'T able to fill in papers physically at the lower Manhattan Social Security Administration Office. Instead, I was turned away and asked to fill it in online and come back for my scheduled appointment.

This happened to be 2 weeks later 😔.

The lower Manhattan office I went to had no security screening, but was hard to find as other guides mentioned, just ask though and they will direct you to the correct floor.

  1. Bring all documents I don't remember explicitly what I was asked for during my appointment but they did go through many of my documents. Thankfully, it went by relatively fast (5 minutes).

  2. Wait for your SSN! As a sidenote, you CAN get paid by your company if they use Rippling, even if you don't have your SSN yet. I only found this out after the month long fiasco which was further delayed due to the government shutdown.

This SSN is for life! You do not ever have to apply for this again.

Housing

Probably the worst part. I might've had a worse experience because I was in NYC but you should probably invest a lot of time in this.

  1. 1 Month Deposit is Standard (Other guides mention first + last month + deposit though I didn't experience this)
  2. If the landlord is pressuring you into signing a lease quickly, be wary, places in NYC go very fast, and they really shouldn't be worrying about finding a tenant unless there's something wrong with the place.
  3. I would bring like 2.5-3 times your first months rent, you'll likely be required to pay first months rent plus the deposit which is the same amount as your monthly rent.
  4. Most places do not accept reqular cheque's. Instead they ask for Cashier/Certified Checks, these cost me $8 with a US TD account, these checks cannot bounce since they will directly take money out of your account at the time you receive them.

Other general tips for NYC specifically:

  1. SCAMMERS ARE COMMON, be careful, if you can't see the place in person, don't trust it.
  2. Brooklyn/Queens will be cheaper, but you will likely be sacrificing commuting time. Most landlords will tell you it takes 15-30 minutes to get to Manhattan which is true, but you will likely need another 10-30 minutes to actually get to where you want to go within the city.
  3. Transit in NYC is very very very good within Manhattan, thus you can probably live nearly anywhere within the city with a 30 minute commute to your office.
  4. Avoid going above 110 street.
  5. I also found upper east/west side to be the cheapest in general.
  6. You can probably prorate for extra days if you need it, just means you will pay an equivalent fee based on your rent for the extra days.

I've heard good things about Airbnb, but not Super.com if that helps but apps seem to just be hit or miss most of the time.

Banks/Money

As other guides mention, you can do this without your SSN, however there's a bit more here.

I used TD and I needed:

  1. Passport + Driver's License + Student ID (Photo was enough for me) + Visa Docs
  2. Lease Agreement for my address HOWEVER, I was also able to put a Canadian address down, this just means if you lose your card it will be shipped back to Canada first but otherwise you don't technically need your lease agreement.

I don't have too much else to offer here, I'm still 19 so getting a credit card wasn't an option due to me being under 21, so I just used a debit card for the majority of my stay. You should still be able to use a Canadian Credit Card, but I had to pay some like 1-2% transaction fee for converting CAD to USD.

TD made it relatively simple to transfer USD from my Canadian account to my US account.

If it helps you can now also do this online instead of the quick 5 minute phone call you have to make. As long as you also fit some general minimum requirements (IIRC it's 1.5k USD in your Canadian account), all transaction fees are waived, they temporarily take something like $25-50 but then they'll refund it after a few days.

At the end of the day, USD to CAD isn't very strong right now so I'm opting to keep my USD, especially since I'll probably need it for future terms. Thus, I don't really have anything on transferring either, although I would probably still just transfer USD to USD from my US account to my Canadian account and then just convert to CAD.

Taxes???

Unfortunately, I haven't gone through this process so I have no advice, I am also not a tax professional of any sort so I wouldn't take anything I say seriously...

Living/Other General Tips

  1. Get the Amazon Student Offer 6 months free, very helpful.
  2. Luma Lot's of events are usually posted on this app, very cool
  3. Depending on where you live, just get the Uber Student deal It's just sometimes a lot easier to get places

NYC Specific

  1. If you fly into JFK and are looking to get into Manhatten, look for the Jamaica Airtrain. It'll cost $8.50 and then just take the 3 line, which will cost ~$3.00. It's a lot cheaper than getting an Uber Shuttle/Multiple Busses/Ubers in general. It also takes around the same time for all options.
  2. Explore! There's actually too much to do in New York
  3. Get to know the locals and family businesses, got lots of free food just for being a somewhat regular!
  4. Stavros Niarchos Foundation Library (SNFL) is a nice area to study
  5. This is a cool site recommend by coworkers for places to WFH
  6. Pasta and Pizza is amazing.
  7. If you really want reps go to Canal and Broadway, expect around 10-20 for wallets/bags
  8. Transit late at night seems to be fine, same with walking around, just be alert and you should be fine, lots of homeless people are everywhere but seem to be chill.
  9. During the winter lots of Christmas market stands will open in places like Bryant Park/14th street, go check them out, very fun!
  10. NYC is expensive, good rule of thumb is expect to be paying the same amount in USD and CAD without conversions. eg something 20 CAD in Canada will probably cost you 20 USD in NYC, maybe even more...
  11. Queen's night market is cool when its up