You don't have to pay up front. Just the first semester up front like everyone else. Then pay the second semester in full when it is due But you have to show you have the total academic year expenses (including travel back and forth to your native country) available. That is the rule for a student visa. And that is the way it should be. You will have to show these funds every year in order to get the student visa renewed.
A 3 second Google search found this: http://travel.state.gov/visa/temp/ty...pes_1268.html/
"Financial evidence that shows you or your parents who are sponsoring you has sufficient funds to cover your tuition and living expenses during the period of your intended study. For example, if you or your sponsor is a salaried employee, please bring income tax documents and original bank books and/or statements. If you or your sponsor owns a business, please bring business registration, licenses, etc., and tax documents, as well as original bank books and/or statements"
Keep in mind your visa will not allow you to work while in the US.