Empowering Students Through Study Abroad Loans
We do not offer any loans directly but work with financial institutions to apply for our students. The actual payment terms and eligibility are solely the responsibility of the financial institution. There are no guarantees for acceptance or funding. The following information may vary according to the financial institution.
Loan Benefits
Based on Future Earnings: These loans are tailored to your potential future income.
No Cosigner Needed: You can apply without needing a cosigner.
No Collateral Required: These loans do not require any collateral.
Loan Amounts: Ranging from US$2,001 to US$100,000.
Fixed and Competitive Interest Rates
Interest Rate Discount: Enjoy a 0.25% discount with automatic payments from some financial institutions.
Quick Conditional Loan Offer: Receive a prompt conditional offer after you receive an acceptance letter from the educational institution.
No Prepayment Penalty: Pay off your loan early without any penalties.
Many Supported Schools in USA and some in Canada
Career Services: Access a job search tool, resume builder, and F-1 eligible job directory.
U.S. Credit Card and Bank Account: Get prequalified for a U.S. credit card and bank account.
Example: Monthly Payment
Loan Amount: US$25,500
In-School EMI: US$329 (interest only)
Post-Completion EMI: US$428 (principal + interest)
Estimated Figures: Calculated using a 120-month loan term and an autopay discount of 0.25%
Please note that this is only an illustrative example and these numbers will vary according to the specific financial institution and the specific circumstances and approval conditions of each applicant/student.
Eligibility for Funding
You may qualify for a student loan if you are:
An undergraduate or graduate student within 2 years of graduating or starting a 1-year or 2-year program.
An international student, DACA recipient, U.S. citizen, refugee, or asylum-seeker.
Admitted to or attending one of the 400+ approved schools in the U.S. or Canada.
We recommend applications for Masters and PHD degree programs.
Loan Terms
No Out-of-Pocket Fees: Pay nothing until your first interest-only payment.
Funding Coverage: Up to 100% of education expenses, including living expenses for U.S. schools.
Additional Support: Visa support, career services, and build U.S. credit history with timely payments.
Interest Rates and Terms
Fixed Interest Rate Before Discount: As low as 12.99% (13.98% APR).
Interest Rate Discount: 0.25% for autopay enrollment.
Fixed Interest Rate After Discount: As low as 12.74% (13.72% APR).
Fixed Rate: Your rate won’t change, ensuring stable payments.
Term: 10-year repayment.
In-School Payment: Interest-only payments while in school and for six months post-graduation (capped at 30 months from disbursement).
Prepayment Penalty: None.
Other Considerations
Building U.S. Credit History: Yes, timely repayment builds credit history.
Collateral or Cosigner: Never required.
Visa Support Letter: Free (to obtain I-20 from your school); certain conditions apply.
Career Services: Free.
Global Payments: Free, pay from anywhere, anytime.
DISCLAIMER
We do not offer any loans directly but work with financial institutions to apply for our students. The actual payment terms and eligibility are solely the responsibility of the financial institution. There are no guarantees for acceptance or funding. The following information may vary according to the financial institution.
