Bring Your Ambition to the United States

Specialized student loans for international students, DACA recipients, and foreign nationals enrolled at eligible US colleges and universities.

Bridging the Gap for Global Talent

Studying in the US as a foreign national presents unique financial challenges. Our loans are designed to cover the full scope of your educational costs while helping you establish a financial footprint in America.

The Power of a Cosigner

By applying with a creditworthy US citizen or permanent resident cosigner, you can secure competitive interest rates even if you have zero US credit history.

Complete Cost Coverage

Borrow up to 100% of the school-certified cost of attendance. This covers tuition, housing, meal plans, travel, and mandatory health insurance for international students.

Credit Building

Establishing yourself in a new country is tough. Paying your student loans on time helps build your US credit profile, making it easier to rent apartments or buy a car after graduation.

Eligibility & Key Details

Visa & School Eligibility

To be eligible for an international student loan, you must be:

A non-US citizen, including DACA recipients, F-1, J-1, M-1, and other eligible student visa holders.
Enrolled at least half-time in a degree-granting program.
Attending an eligible, Title IV participating US college or university.

Note: You must have a valid US Social Security Number (SSN) to apply online, OR apply over the phone if you do not yet have an SSN but have an eligible cosigner.

Cosigner Requirements

Because international students typically lack a US credit history, a cosigner is required for approval. Your cosigner must be:

A US citizen or permanent resident alien.
Have a valid US Social Security Number.
Meet our credit, income, and employment requirements.

The cosigner acts as a guarantor for the loan, taking equal responsibility for repayment if you are unable to pay.

Repayment & Deferment

We understand that managing finances in a new currency can be stressful. We offer several options while you are in school:

Deferred Repayment: Make no payments while enrolled in school and during your 6-month grace period.
Fixed Repayment: Pay a fixed, low monthly amount (e.g., $25/mo) while in school to establish good credit habits.
Interest-Only: Pay only the accrued interest to keep your loan balance from growing.

Talking to a Cosigner

Asking someone to cosign a loan is a big deal. Often, this is an aunt, uncle, family friend, or mentor living in the United States. We've put together a guide to help you explain the process, their responsibilities, and how they can eventually be released from the loan.

What they need to apply:

Ready to apply?

Find out if you qualify in minutes. You can start the application and easily invite your US cosigner to complete their portion via email.