The iCarly star, 17, has a private tutor and used to head to local libraries near her Los Angeles house to research and complete her school work.
But she has had to alter her study plans as she prepares for college to avoid causing a disturbance wherever she goes.
Cosgrove tells The New York Times Magazine, "We've been told to leave about half the libraries in Los Angeles for being distracting."
The actress is currently studying Shakespeare, French, economics and government, and she admits being home schooled isn't as fun as it seems.
She says, "At first I was kind of happy to be home schooled because all my friends were afraid of that first day of middle school. But actually it's harder. You're all alone... It's cool in a way, but I miss being in a regular school."
The School of Rock star is currently eyeing colleges in California and New York to further her education.
She tells Seventeen magazine, "My ultimate dream is to go to the University of Southern California for two years and then New York University for two years."