The person who doesnt attend school needs to marry the F1 holder before school term begins. Marrying an H1 work visa holder is fine as long as you are able to obtain a h4 dependent visa from which you cant work.
The application fee for a US visa (where you're coming from doesn't matter) varies depending on the type of visa. A tourist (or other non-petition) visa is $US 160. Most petition-based visas are $US 190; a few are more expensive. This is a processing fee and is non-refundable, even if you don't actually get the visa. There also may be a visa issuance fee that varies by country and depends on reciprocity. This is only charged when the visa is actually issued. For Ghana, there's no issuance fee for any type of visa. Ghana is not eligible for the Visa Waiver Program (which allows people to use an ESTA instead of a visa and is cheaper).
To apply for a student visa, you must complete the application for either an 'F' or an 'M' type visa through the US Department of State at the embassy or consulate in your home country. You need to fill out an application, providing personal information and information regarding your educational goals. You must also pay a fee, which varies depending on the situation, and attend a personal interview.
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