Student loans 15 February 2023

10 Best International Student Loans In USA This Year

International students studying can qualify for loans that cover more than just tuition. Here’s our list of the best international student loans in the U.S.

International student loans in the Usa

International students often have fewer student loan options available than other borrowers. Unless you’re an eligible non-citizen and can qualify for federal student loans, you may need to turn to private student loans.

As an international student, you will not only need your tuition expenses covered, but you may also have to pay for other expenses like travel, accommodation, and relocation costs. Student loans can help pay for part or all of your education-related expenses.

Banks and private lenders offer student loans to international students, but you may need a cosigner with good credit to apply. Some loans don’t require a cosigner, but they may come with higher interest rates.

We have reviewed the best private international student loans in the U.S. for 2023. Compare these lenders to see which loan offers the best terms that will suit your needs.

10 Best International Student Loans in USA in 2023

LenderScholaroo ratingFixed rates starting (APR)Variable rates starting (APR)

College Ave

Best overall for international students

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4.9/54.44%5.09%

Ascent

Best for student support

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4.8/54.62%5.98%

Prodigy Finance

Best for no application fees

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4.6/5N/A11.06%

Sallie Mae

Best for stidents with a cosigner

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4.6/54.50%5.99%

Earnest

Best for low interest rate loans

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4.5/54.45%5.32%

Discover

Best overall for rewards

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4.1/54.49%6.37%

M Power

Best for international students without a cosigner

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4.1/514.75%N/A

Citizens Bank

Best for cosigner policies

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4.1/54.43%6.03%

EdvestinU

Best for customer service and student support

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4.0/56.25%8.11%

Brazos Student Loans

Best for students in Texas

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3.9/52.77%5.02%
Lender

College Ave

Best overall for international students

Scholaroo rating
4.9/5
Fixed rates starting (APR)
4.44%
Variable rates starting (APR)
5.09%
Visit website
Lender

Ascent

Best for student support

Scholaroo rating
4.8/5
Fixed rates starting (APR)
4.62%
Variable rates starting (APR)
5.98%
Visit website
Lender

Prodigy Finance

Best for no application fees

Scholaroo rating
4.6/5
Fixed rates starting (APR)
N/A
Variable rates starting (APR)
11.06%
Visit website
Lender

Sallie Mae

Best for stidents with a cosigner

Scholaroo rating
4.6/5
Fixed rates starting (APR)
4.50%
Variable rates starting (APR)
5.99%
Visit website
Lender

Earnest

Best for low interest rate loans

Scholaroo rating
4.5/5
Fixed rates starting (APR)
4.45%
Variable rates starting (APR)
5.32%
Visit website
Lender

Discover

Best overall for rewards

Scholaroo rating
4.1/5
Fixed rates starting (APR)
4.49%
Variable rates starting (APR)
6.37%
Visit website
Lender

M Power

Best for international students without a cosigner

Scholaroo rating
4.1/5
Fixed rates starting (APR)
14.75%
Variable rates starting (APR)
N/A
Visit website
Lender

Citizens Bank

Best for cosigner policies

Scholaroo rating
4.1/5
Fixed rates starting (APR)
4.43%
Variable rates starting (APR)
6.03%
Visit website
Lender

EdvestinU

Best for customer service and student support

Scholaroo rating
4.0/5
Fixed rates starting (APR)
6.25%
Variable rates starting (APR)
8.11%
Visit website
Lender

Brazos Student Loans

Best for students in Texas

Scholaroo rating
3.9/5
Fixed rates starting (APR)
2.77%
Variable rates starting (APR)
5.02%
Visit website

#1 College Ave

Best overall for international students

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College Ave

4.9
Scholaroo Rating
Fixed Rates Starting (APR)4.44%
Variable Rates Starting (APR)5.09%
Why We Like ItPros and ConsEligibility RequirementsRepayment Terms

International students who have a social security number and a qualified cosigner can borrow loans from College Ave to fund their studies in the United States. Ascent offers different types of loans to international students including undergraduate loans, graduate loans, and career loans.

These loans can cover up the 100% cost of attendance including school-certified living expenses like housing and transportation. This can make life a lot easier for international students in the country. College Ave offers 4 flexible repayment options and up to 15 years of repayment terms to make repayments more manageable.

There is also no application fee and they have a quick online application process that can be completed in as much as 3 minutes provided that you have all the information ready before starting. They also offer a multi-year approval so you do not have to reapply for a loan again for another year.

Pros

  • Also offer career loans
  • Quick application
  • Multi-year approval
  • Can borrow up to the full cost of attendance

Cons

  • High fixed APRs
  • International students need a cosigner who is a U.S. citizen or permanent resident
  • Applicant must be at least 16 years old (18 years for refinancing loans)
  • Students must be attending at least part-time an accredited college or university

There are four repayment options for students:

  • Deferred payments – no payments for up to six months after graduation
  • Flat $25 monthly payments during school and up to six months after graduation
  • Interest-only payments while in school and up to six months after graduation
  • Repay the full amount during school

#2 Ascent

Best for student support

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Ascent

4.8
Scholaroo Rating
Fixed Rates Starting (APR)4.62%
Variable Rates Starting (APR)5.98%
Why We Like ItPros and ConsEligibility RequirementsRepayment Terms

International students in the U.S. can qualify for Ascent private student loans with a cosigner who can meet the minimum credit requirement. Ascent offers various credit-based loan options to international students including Undergraduate Cosigned loans, General Graduate School Cosigned loans, MBA Cosigned loans, Medical School Cosigned loans, Dental School Cosigned loans, and Law School Cosigned loans.

You can use Ascent loans to cover costs associated with your educational program including tuition and fees, room and board, books, and other college costs. They also offer 1% cash back at graduation from your program of study upon meeting certain criteria and you can earn up to $525 for referring a friend.

Through social media, Ascent loan borrowers can also have access to various scholarship giveaways that Ascent advertises on their social media accounts. Moreover, international students can get repayment terms up to 20 years depending on the type of loan they borrow.

Pros

  • Multiple repayment terms
  • 1% cash back at graduation
  • Earn $525 for referring a friend
  • Scholarship earning opportunities

Cons

  • Only credit-based loans for international students
  • Requires a credit-worthy cosigner who is a citizen or resident of the U.S.
  • Must be at least 18 years old
  • Student must not be a U.S. citizen, permanent resident, or Deferred Action for Childhood Arrival (DACA)
  • International students must have an eligible resident status
  • Must be at least a part-time student
  • International students must have a credit-worthy cosigner who is a U.S. citizen or permanent resident, meets the minimum credit requirement, and has a minimum gross annual income of $24,000 and is able to prove it.

Ascent offers three loan repayment options:

  • Deferred payment while in school with a nine-month grace period after graduation
  • Fixed $25 monthly payments while in school and during the nine-month grace period
  • Interest-only payments while in school and during the nine-month grace period

#3 Prodigy Finance

Best for no application fees

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Prodigy Finance

4.6
Scholaroo Rating
Fixed Rates Starting (APR)N/A
Variable Rates Starting (APR)11.06%
Why We Like ItPros and ConsEligibility RequirementsRepayment Terms

Prodigy Finance ‌is an online lender that specializes in student loans for international students. They stand out because international students don’t require a cosigner to apply, and they have an easy online application process.

International students must be enrolled at least half-time, but part-time students can be supported on a case-by-case basis. Prodigy Finance supports students in more than 850 schools around the world with various repayment options.

Their loan rates start at 11.06% variable APR and loan amounts go up to $220,000.There is no prepayment penalty and no late fees. Loan terms are available for up to 20 years.

Pros

  • No cosigners required for loans
  • Loan terms up to 20 years
  • No late fees or prepayment penalties
  • Online pre-qualification with no hard credit check

Cons

  • No fixed interest rates
  • Must attend a school they support
  • Must reside in one of the countries they support
  • Must be looking to study abroad

There are two in-school repayment options:

  • Full payments as soon as the loan is disbursed
  • Deferred payment while in school and during the six-month grace period

Post-school repayment options include:

  • No payments during the grace period of six months
  • Forbearance available on a case-by-case basis
  • Academic deferment available on a case-by-case basis

#4 Sallie Mae

Best for students with a cosigner

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Sallie Mae

4.6
Scholaroo Rating
Fixed Rates Starting (APR)4.50%
Variable Rates Starting (APR)5.99%
Why We Like ItPros and ConsEligibility RequirementsRepayment Terms

Sallie Mae is one of the most well-known private student lenders in the U.S. They’ve been providing student loans for over 50 years and their loans are available for undergraduates and graduates, including international students, studying in the U.S.

Sallie Mae covers up to 100% of your school-certified cost of attendance and surplus funds can be used for additional expenses like off-campus housing, computers, software, and transportation, among others. This makes them ideal for international students.

Another benefit of Sallie Mae is that they offer a very fast cosigner release option compared to other lenders. Borrowers can also do multiyear applications, giving international students with cosigners high approval odds.

Fixed loan rates start at 4.50% APR and they offer repayment terms of up to 20 years with a 0.25% discount for automatic payments. Sallie Mae has multiple deferment options available, including full deferment, $25 monthly, or interest-only payments.

There is a six-month grace period and cosigner release is available after 12 payments.

Pros

  • International students can qualify with a cosigner who is a U.S. citizen
  • Fixed rates start at 4.50%
  • Can cover 100% of your school attendance cost
  • Part-time students are eligible
  • Cosigner release after 12 payments

Cons

  • Charges late fees
  • International students need a cosigner with good credit (670 or above)
  • Must be a U.S citizen or permanent resident
  • Students must be enrolled at least part-time

There are three payment options with Sallie Mae:

  • Deferred repayment – no payments while in school, and during the grace period
  • Fixed repayment – $25 payments while in school, and during the grace period
  • Interest-only payment while in school, and during the grace period

#5 Earnest

Earnest is best for low interest rate loans

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Earnest

4.5
Scholaroo Rating
Fixed Rates Starting (APR)4.45%
Variable Rates Starting (APR)5.32%
Why We Like ItPros and ConsEligibility RequirementsRepayment Terms

Founded in 2013, Earnest is a reputable fintech lender. They offer student loans to undergraduate and graduate students, including international students. They are known for their transparency when it comes to their rates, terms, and application requirements.

International students can qualify with a cosigner who is a U.S. citizen. Applying doesn’t trigger a hard credit check and you can borrow up to 100% of your total cost of attendance.

Their fixed loan rates start at 4.45% APR and Earnest has a nine-month grace period, which is longer than most lenders. They offer repayment periods of up to 15 years with the option of full deferment, fixed repayments, and interest-only payments. There is no cosigner release.

Pros

  • International students can apply with a cosigner
  • Quick online eligibility check
  • No late payment penalties
  • Nine-month grace period
  • AutoPay discounts

Cons

  • No cosigner release policies
  • International students need a cosigner to apply
  • Cosigner needs a minimum credit score of 650
  • Cosigner must earn at least $35,000 per year
  • Students must be enrolled full-time at an eligible school

There are four repayment options with Earnest:

  • Deferred payment while in school with a nine-month grace period after graduation
  • Interest-only payments while in school with full payments after graduation
  • Fixed $25 monthly payments while in school with full payments after graduation
  • Full payments while in school

#6 Discover

Discover is best overall for rewards

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Discover

4.1
Scholaroo Rating
Fixed Rates Starting (APR)4.49%
Variable Rates Starting (APR)6.37%
Why We Like ItPros and ConsEligibility RequirementsRepayment Terms

Discover Bank® offers private student loans to international students with an eligible cosigner. You can get loans whether you are pursuing an undergraduate degree, graduate degree, or a postgraduate degree as an international student in the U.S. Their postgraduate loans include Bar Exam loans and loans for Residency. International students do not even need to have a Social Security Number to borrow loans from Discover.

Discover can help cover the full cost of attendance of your program as long as it is certified by your school. This includes college-related living expenses like housing, rent, books, transportation, etc. Moreover, they have a zero fees policy and do not charge any application, origination, late, or prepayment penalty fees. You can also get a rate discount of 0.25% upon signing up for auto debit.

What makes this lender unique is the reward it offers for good grades. International students who maintain a GPA of 3.0 and above are eligible for 1% of their loan amount as a cash reward. You can get three different repayment options on their loans and their deferred repayment options have a grace period of 6 months.

Pros

  • No Social Security Number required for international students
  • Borrowers with a GPA of 3.0 or higher get 1% of their loan as a cash reward
  • Quick online eligibility check
  • Zero fees policy
  • Can cover 100% of the school certified cost of attendance
  • Offers post-graduate loans too

Cons

  • Loan qualification triggers a hard credit check
  • Credit-worthy cosigner who is a U.S citizen/resident is required
  • International students need an eligible cosigner to apply
  • Students must be enrolled at least half-time at an eligible school

There are multiple in-school payment options available:

  • Deferred payment while in school and during the grace period
  • Interest-only payments while in school and during the grace period
  • Fixed $25 monthly payments while in school and during the grace period
  • Immediate payments as soon as the loan is disbursed

The post-school payment options are as follows:

  • Forbearance for up to 12 months due to unemployment, financial hardship, or medical disability
  • Academic deferment if you return to school at least half-time

#7 MPower

Best for international students without a cosigner

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MPower

4.1
Scholaroo Rating
Fixed Rates Starting (APR)14.75%
Variable Rates Starting (APR)N/A
Why We Like ItPros and ConsEligibility RequirementsRepayment Terms

MPOWER is the best choice for non-cosigned independent loans for international students. They do not even require a minimum credit for international students to apply as they lend on the basis of the student’s future earning potential.

International students can borrow up to the cost of attendance and can also benefit from the visa support and career services that this lender offers. Moreover, international students who get approved for MPOWER student loans automatically qualify for a Zolve credit card and a U.S. bank account.

Even though MPOWER does not have a credit requirement, they do review your history if there is any built in the U.S. or country of origin. You can also get a refinancing loan as an international student. However, they do charge a higher interest rate for their loans which might make the loan expensive. Moreover, they only offered a fixed rate of interest and a single repayment term of 10 years.

Pros

  • Independent non-cosigned loans for international students
  • No minimum credit requirement
  • Can borrow up to the cost of attendance
  • Loan approval qualifies the borrower for a Zolve credit card and a U.S bank account

Cons

  • High interest rates
  • Only fixed-rate loans are available
  • Single repayment term
  • No deferred repayments
  • International students must be from one of the 180 eligible countries
  • Must be enrolled at an eligible school
  • Must be enrolled at least half-time

All borrowers must ‌start making in-school payments 45 days after the loan funds have been disbursed. After graduation, the following applies:

  • There is a six-month grace period during which interest-only payments are required
  • Hardship forbearance is available with a 24-month limit, available in six-month increments

#8 Citizens Bank

Best for its cosigner policies

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Citizens Bank

4.1
Scholaroo Rating
Fixed Rates Starting (APR)4.43%
Variable Rates Starting (APR)6.03%
Why We Like ItPros and ConsEligibility RequirementsRepayment Terms

As one of the largest banks in the U.S., Citizens Bank was founded in 1828 and offers private student loans, as well as personal and business financing products. With multi-year approvals, students can easily fund their four-year stay in college with only one application.

International students can qualify for a loan with an eligible cosigner that is a U.S. citizen or permanent resident. A cosigner release is available after 36 loan payments.

Fixed rates for undergraduate loans start at 4.43% APR with repayment periods of up to 15 years. Borrowers can also get up to a 0.50% discount if they are Citizens Bank customers.

Loans are available from $1,000 up to the total cost of education. There are no origination fees, no application fees, and no penalty fees for early repayment.

Pros

  • International students qualify with a cosigner
  • Interest rate and AutoPay discounts
  • Multiple repayment options
  • Multiyear approvals

Cons

  • A 5% late payment fee applies
  • International students need a cosigner who is a U.S. citizen or permanent resident
  • Borrowers or cosigners must have a minimum annual income of $12,000
  • Borrowers or cosigners must have a reasonably strong credit score (typical approvals are done for borrowers with a score of at least 740)
  • Must be at least 18 years old

There are three repayment options available with Citizens Bank:

  • Immediate repayment starts as soon as the funds are disbursed
  • Interest-only payments while in school and during the six-month grace period
  • Deferred payments while in school and during the six-month grace period

#9 EdvestinU

Best for customer service and student support

Apply now

EdvestinU

4.0
Scholaroo Rating
Fixed Rates Starting (APR)6.25%
Variable Rates Starting (APR)8.11%
Why We Like ItPros and ConsEligibility RequirementsRepayment Terms

International students who are enrolled at an eligible school at least half-time in a degree-granting program can borrow from EdvestinU with an eligible cosigner who is either a U.S. citizen or a permanent resident. It is a nonprofit lender and it lends both to undergraduates and graduate students studying in most of the states of America.

EdvestinU is a good option for international students due to its high aggregate borrowing maximum of $225,000. Students may borrow up to the cost of attendance that includes school-certified cost of living, minus any aid that you may have received. Multiple repayment terms of up to 15 years also allow students some flexibility in loan repayments.

They do not have any application or origination fees and charge no prepayment penalties. However, there is a 5% charge on late payments. In case of economic or financial hardship during the repayment period, some students may be eligible to qualify for an Economic Hardship Deferment or requesting a Discretionary Forbearance which postpones the repayments for a certain amount of time.

Pros

  • High aggregate borrowing maximum of $225,000
  • No application or origination fees
  • No prepayment penalty
  • Economic Hardship Deferment and Discretionary Forbearance offered in case of economic hardship

Cons

  • Not available in all states
  • Cosigner required to qualify
  • International students must have a cosigner
  • Student or cosigner must have a minimum income of $30,000 per year
  • Student or cosigner must have a minimum credit score of 675
  • Must be enrolled in an approved college or university

The repayment options for EDvestinU include:

  • Immediate payments as soon as the loan is disbursed
  • Interest-only payments while in school and during the grace period
  • Forbearance available for 12 months post-school

#10 Brazos

Best for students in Texas

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Brazos

3.9
Scholaroo Rating
Fixed Rates Starting (APR)2.77%
Variable Rates Starting (APR)5.02%
Why We Like ItPros and ConsEligibility RequirementsRepayment Terms

Brazos Higher Education is a non-profit organization based in Texas. They offer undergraduate and graduate student loans, including international students, and are best for borrowers or cosigners with good credit scores.

Loan amounts start at $1,000 and can cover up to 100% of your total cost of attendance.

Brazos is ideal for students in Texas and international students can qualify with a cosigner. Loan repayment terms are available for up to 20 years and they have low APRs starting at 2.77%.

You can easily pre-qualify with only a soft credit check and there is no origination fee. There are no prepayment penalties or late fees.

Pros

  • Lower rates than federal student loans
  • Offers five different loan terms
  • International students can qualify with a cosigner

Cons

  • Not available to students enrolled at community colleges
  • Only available to borrowers in Texas
  • Requires a high credit score
  • International students require a cosigner who is a U.S. citizen to apply
  • Student or cosigner must have a minimum credit score of 680
  • Student or cosigner must have a minimum income of $45,00 per year
  • Must be enrolled half-time or more
  • Must reside in Texas

The in-school repayment options for Brazos include:

  • Immediate loan payments as soon as the loan is disbursed
  • Interest-only payments while in school and during the grace period
  • Full deferment while in school and during the grace period

In addition to the above, these guidelines also apply:

  • Up to 12 months of forbearance
  • Military deferment available
  • Cosigner release is available after 48 on-time payments

What Is an International Student Loan?

Although federal student loans are popular among U.S. students looking to pursue higher education in the U.S., they are not accessible to international students. They need to apply for private student loans from banks or private lenders in the U.S. to fund their education.

Today, loans for international students are very accessible, especially if they have a qualified cosigner with good credit. The repayment terms and interest rates for these loans can also be extended so you can afford the repayment after you graduate.

Most international student loans require a cosigner who will be legally obliged when you fail to pay. Cosigners typically need to be U.S. citizens or permanent residents with good credit.

How To Get an International Student Loan in the U.S.

International students need to ensure that they qualify to study in the U.S. so they can be eligible for an international student loan.

Here are the basic steps to qualify for an international student loan:

  1. Meet the basic requirements: Most lenders have a minimum requirement set for borrowers. This is not any different for international students. All applicants must come from an eligible country and be enrolled in an accredited university or college. They must be planning to stay in the U.S. while attending school and must qualify for a student visa (enabling them to study and stay in the U.S.)
  2. Estimate your cost: The cost of higher education varies based on the courses chosen and the preferred institution of study. A student should have a total amount of how much they need to cater for their tuition and cost of attendance expenses before seeking a loan. You should factor in tuition fees, accommodation, travel expenses, and school supplies as well as food. Schools provide a certified cost of attendance expenses and as an international student, you need to liaise with your school to know the expected future expenses.
  3. Identify Potential Lenders: There are many lenders in the U.S. who offer financial aid to international students. Most lenders that serve international students are private loan lenders since federal loans are only limited to U.S. citizens. Private student loans have different terms, eligibility requirements, and repayment options. They also offer a capped amount of money to each individual borrower. With the amount you need at hand and what the lender is willing to give an international student, you can choose what amount is likely to cover 100% of the cost of attendance.
  4. Have a cosigner: To apply for an international student loan in the U.S., most lenders require a cosigner who must be a citizen or a permanent resident. The co-signer takes on the obligation to repay the loan if the international student fails to repay. Additionally, the cosigner must have a good credit score and must have lived in the U.S. for the past two years. They can be a relative or a close friend who can help you get credit because nearly all international students cannot get credit on their own.
  5. Apply for a loan: Most lenders accept online applications and have straightforward requirements. To ensure a smooth process, make sure you have all the documentation ready. Some of the documents the lender may ask for include identification, proof of residence, a valid passport and visa, academic record, and proof of admission to your university.

Tips for Comparing International Student Loan Lenders in the USA

There are a few things to consider when looking for lenders to finance your education as an international student studying in the US. By looking at the factors provided below, you would be able to compare the lenders in a better way and choose the best one for you.

  • Loan Rates: Different lenders offer different rates to international students which may be higher than usual. It is best to choose a lender with lower rates as it will help reduce your monthly payments and the total loan payment. You can use the student loan calculator below to check how the different rates you are getting will affect your payments.
  • Loan Terms: Longer terms help to reduce the monthly payments on your loan. However, bear in mind, that the total loan payment increases with longer terms. Choose the lender that offers the terms best suited to you.
  • Discounts: Some lenders offer discounts that can help lower your loan payments. A popular discount typically offered is a reduction in your interest rate if you set up AutoPay. Some lenders also offer a discount if you already have other financial products with them, for example, a bank if you have an existing checking account with them. Even a small interest rate reduction can lead to significant savings over the term of your loan.
  • Hardship Offers: Some lenders offer forbearance options to borrowers, to help them in case of a financial setback or unemployment.

Other Financing Options for International Students in the U.S.

Private student loans can help cover the majority of college-related expenses, including tuition and other expenses related to your studies. However, if you don’t meet the requirements for a private student loan, there are a few other options available to you.

  1. Scholarships: There are scholarships available to international students studying in America. Some are merit-based, some need-based, and some may be based on the area of study. You can find a range of scholarships right here on Scholaroo.
  2. Colleges and Universities: You can look up a college or university in America that offers financial aid assistance or certain tuition discounts for international students. Some colleges have these programs in place to attract high-performing and talented individuals from around the world. International students can contact the financial aid office in their institutions to see what options are available to them.
  3. Part-Time Jobs: This is an option for those who are able to work part-time in the U.S. while they study. Some people get weekend jobs if they are studying full-time if their student visa allows them to work in America. What you earn might not cover a huge chunk of your educational expenses, but it can definitely contribute and help reduce your financial burden to a great extent.

FAQs

Who qualifies as an international student in the U.S.?

An international student is a person who is not a citizen or a permanent resident of the U.S. and enters the country specifically to study. International students study part- or full-time in the U.S. and have moved to the U.S. for this purpose only.

International students need to be enrolled in an accredited institution of learning and obtain the entry qualification for the current level of study in the U.S.

Can you get international student loans without a co-signer in the US?

Although most lenders require international students to have a cosigner, international students attending certain institutions in the U.S. can apply without a cosigner. Prodigy Finance and MPower are two lenders that provide international student loans without a cosigner

What is the best student loan for international students in the U.S. with a cosigner?

College Ave is the best loan to apply for international students in the U.S. with a cosigner. It is one of the most popular and sought-after loan providers in the country that offer loans that can cover 100% of the school-certified cost of attendance. They also accept students enrolled part-time.

Can international students get loans in the U.S.?

International students can qualify for private student loans. They are not eligible for federal student loans from the U.S. Department of Education.

How to get a study loan in the U.S. for international students?

International students can apply for a student loan from private lenders in the U.S., but most of these loans require borrowers to have a cosigner. See our list of international student loans above, along with their requirements and terms.

Can a non-U.S. citizen get a student loan?

Non-U.S. citizens can’t get federal student loans, but they may qualify for private student loans. Check with your college or university’s financial aid office for more information.

What is the best loan company for international students?

If you don’t have a cosigner, Prodigy Finance, and MPOWER are two options for international student loans. If you have a cosigner with good credit, you have many other options available, including Sallie Mae, Ascent, College Ave, and Citizens Bank.