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Best Student Loans for International Students

Federal student loans, provided by the U.S. Department of Education, and private student loans are the two primary categories of student loans. Interest rates, qualifying standards, loan modification possibilities, and program forgiveness choices vary. 

After you’ve reached the federal borrowing limit and have explored all other choices, a private student loan may assist in paying for your school’s entire cost of attendance, even though federal loans have more lenient payback terms. 

Utilize our guide to the best student loans to identify the top lenders that can assist you in achieving your higher education ambitions.

Benefits of Student Loans 

  • Students who otherwise wouldn’t be able to attend college may now do so with the help of student loans. 
  • A credit history is not required to be eligible for a student loan. 
  • Compared to private loans, student loans often offer cheaper interest rates. 
  • The terms of a loan cannot alter over time with fixed interest rates. 
  • Many student loans provide extra options for deferral or debt forgiveness when appropriate, and many only demand payments after graduation. 
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  • Student loans often provide adaptable repayment schedules that take the borrower’s income and cost of living into account. 

Drawbacks of Student Loans 

  • The total amount of government assistance that one person may get is capped. 
  • You must repay the loan immediately if you drop out of school before completion. 
  • Cosigners for private student loans could be needed. 
  • Student loans may be pricey depending on how much you borrow and the interest rate. 
  • A worse credit score may arise from student loan default. 
  • Private student loan interest rates may change. 
  • Some loans may not be available to students depending on their financial situation.

Our Top Picks For Best Student Loans

Best Federal Student Loans:

  • Direct Subsidized Loan
  • Direct Unsubsidized Loan
  • Direct PLUS Loans for Parents & Graduates

Best Private Student Loans:

  • MPower 
  • College Ave 
  • Sallie Mae 
  • Citizens Bank
  • SoFi 
  • Ascent 
  • LendKey

A loan based on your expected future income 

With a loan from us, you may quickly and affordably pay for your education on your own. Since we never ask for a cosigner or security, our loans promote your freedom. 

1. Rely on high ceilings and low rates 

  • $2,001 to $100,000 in loans 
  • Fixed interest rates that are competitive and never go up 
  • Receive a reduction in your interest rate

2. Loans tailored to your needs 

  • Quick loan offer with conditions 
  • No early termination fee 
  • 400+ schools across the U.S. and Canada help students 

3. Extra-financial advantages 

  • Visa support 
  • Career growth advice 
  • Information availability on subjects important to foreign students 

Who may get funding? 

If you are, then you could be qualified for an MPOWER student loan:

  • A graduate or undergraduate student with two years left till graduation or starting a one- or two-year program. 
  • An international student, a DACA participant, a citizen of the United States, a refugee, or an asylum seeker. 
  • Enrolled in or admitted to one of our more than 400 Canadian or American accredited institutions.

Terms of our loan 

Beyond only money, MPOWER student loans provide advantages to all kinds of students: 

  • Pay nothing up to your first interest-only loan payment and no upfront costs. 
  • Funding for schools in the United States up to 100% of educational expenses, including living costs. 
  • By paying bills on time, you may develop your American credit history, get career assistance, and help with your visa. 

Discover your terms and interest rates

Q&A part

Our most typical funding-related inquiries and responses. 

1. What can you do with the loan? 

When attending most U.S. universities, MPOWER loans may cover university-related costs such as tuition, books, meal plans, housing, and health insurance. If you have any questions regarding how your money could use, we advise you to contact your school. 

2. When should I submit a loan application to MPOWER? 

A maximum of 12 months before you need the money for education, you may apply for a loan. For further advice, see this video. 

3. What is a reasonable amount to ask for? 

Here’s some good advice: only ask what you expect to make after graduating. Our loan application will help you better grasp your financial strategy and how much money to request if you still need clarification on how much money you’ll need. Maximum requests of US$50,000 per application and US$100,000 are permitted (overall). No matter how much you choose to ask for, we always let students know whether they qualify for more or less than what they ask for. 

4. What personal papers and data should I have ready when I apply? 

Choose the one that most accurately reflects you from the list below: 

(a) Foreign student 



Student under DACA 



c) Home-based Learner 



How to interpret the document checklist: The document checklist lists any papers you could be asked to provide as part of your application. There are columns marked “Included” and “Not relevant” on this checklist. 

Disclaimer: Not every item on this checklist will be relevant to your circumstances. Don’t hesitate to contact us if you have any questions regarding any of the papers included in our inventory.

Cturtle uses AI and employment data to connect universities with students and graduates with jobs and alumni globally.