Student loans for international students

Just like many U.S. students choose to spend time studying abroad, many international students choose to study in the United States. Here are two great resources for students considering traveling to the U.S. to further their education:

  • educationUSA — advising centers from the U.S. Department of State

  • eduPASS — a guide to studying in the U.S. including travel and customs

I recently answered an Ask the Expert question about student loan availability for international students. I wanted to share that information with the rest of the Student LownDown readers. Here’s the scoop…

International or not, students should always apply for federal aid first. However, most foreign citizens aren’t eligible for student aid from the U.S. federal government. There are some cases where non-citizens may be eligible for financial aid. Students should check out this online guide to federal student aid for international students to see if they qualify.

After federal aid, international students could consider private student loans. Many lenders will ask that international students who apply have a cosigner who is a U.S. citizen. Cosigners assume equal liability for the loan, so this is not a responsibility to be taken lightly.

For our international student readers, what has been your experience with American financial aid? How does the process work in your own countries?

This entry was posted in Federal loans, Financial aid, International students, Paying, Student loans, Travel, Tuition, Wells Fargo Bank. Bookmark the permalink.

307 Responses to Student loans for international students

  1. HelpLess GT says:

    So basically, there aren’t loans out there for international students, as ALL private loans do ask for a U.S. citizen cosigner; to which I ask: where is one supposed to get one?
    I went to the US for a bachelor’s degree and even after making friends up there, it’s still hard to get a cosigner, because of the fact that we’re all the same age and we are all trying to get our MBAs at the same time, they can’t possibly be cosigners, when they themselves are trying to get loans for school or a mortgage.
    I find there is very LITTLE (to not say NONE at all) help out there for an international student trying to go to the states for their undergrad or (like me) graduate education. Even after I myself have a good credit score in the States.

    • Mary A says:

      I am a US Citizen but doing my Medicine through a school in Antigua. When I am trying for a loan in US they are not providing any help as I always get turn down saying they only provide loans to Schools approved in the US. Please help me if you have any lender.

      • Barbara Raus Barbara says:

        Hi Mary – Most U.S. lenders will only lend at certain schools, most of which are in the U.S. I’d recommend you talk with your school about what financing options may be available to students in your situation.

  2. Fosoki says:

    Hi, Im an international student willing to study outside US. Do you know where can I find loans?
    Thanks so much

  3. Barbara Raus says:

    Fosoki — I’m not an expert when it comes to loans outside the U.S. Best bet would be to check with the school you are planning on attending to work with their financial aid or billing department to see what options you have through banks or lenders in that country.

  4. Fer says:

    Dear Barbara,
    I´m a graduate student of Law from Argentina that already has the admission to UF and the I-20 for the Visa F1. My problem is that I need a loan of 20K and my co-signer is living in USA and has a I-797C (Notice of Approval of Permanent Resident Petition) but the USCIS office will issue him a I-551 or Green Card in one or more year because of Bureocracy reasons. I´m extremely sad since I have the conditional approval of the loan and I wonder if they (the bank) will refuse to finally approve my loan. In this case, what can I do Barbara? Please help me because my LLM is a dream coming true. Please help me with your knowledge because it has to be another alternative of no permanent resident co-signer. Thanks

  5. Barbara Raus says:

    Fer — First off, have you confirmed with your potential lender that this person will qualify as a cosigner? I ask because many lenders (including Wells Fargo) generally require a temporary or permanent resident alien to have a U.S. citizen cosigner. You generally would not be able to qualify on your own or with a permanent resident alien as a cosigner. So, I’d recommend you double check what exactly is required to secure the loan for which you have conditional approval. If your potential cosigner has not gained the resident status he needs, you may need to find another cosigner.

  6. Maddy says:

    Hey Barbara,

    I am studying in Australia through the bank loan from Bank of America and now due to credit crunch they cant issue any loans, i got a big problem now because now i have to leave my studies and go back to my country.

    Do you have any idea they how long it will gonna take to give loans for the schools which are outside of US?

    Waiting,

    Regards,

    Maddy

  7. Barbara Raus says:

    Maddy — Are you studying abroad on exchange from a home university in the U.S. or are you enrolled directly at the school in Australia? Either way, you’ll want to speak with the financial aid office at your school (either in Australia or back home) to talk through other options you may have to finance your education. There may be other lenders who still offer financing for students in your situation, and you school should be able to give you details.

  8. Maddy says:

    Hi,

    Greetings from Maddy,

    Thanks for the reply,

    I am not an exchange student, I am doing Bachelor Studies from Australia majors in Hotel and Tourism.. and now if i want to continue my studies so i have to get admission in US,

    But do you any idea how long they will start giving loans for students who wants to study outside of US

    Waiting for the positive reply,

    Maddy

  9. Barbara Raus says:

    Maddy, I’m still not sure I understand your situation. But to be honest, we’re not sure if/when the credit situation is going to change. Many lenders have changed their policies and tightened their credit criteria. Have you considered a more affordable school where you wouldn’t need a student loan, or thought about working while going to school to pay for your education expenses?

  10. Rocio says:

    Dear Barbara,

    I have been in the US as an undocumented student for about 10 years now (my parents don’t have a green card but have a worker’s permission to work here legally). Come fall, I’m suppose to go to college as a freshmen but I’m having a hard time finding ANY banks that would loan me private student loans (since i don’t have a SSN for federal ones). I need about 26,000 to study in a public school and all though im in the top of my class, i don’t qualify for merit aid. Help me, what can i do???

  11. Barbara Raus says:

    Hey Rocio — Most lenders offer private student loans to temporary or permanent resident aliens, but as you are experiencing there are few options for undocumented students. There is currently a piece of legislation in the Senate (S.729 ) that may help the situation. Are you familiar with the Dream Act? There are provisions that would allow undocumented students who meet certain guidelines to have conditional temporary resident status. However, right now the bill is just in the initial stages. You can look at the progress of the bill at the National Immigration Law Center’s website. As far as scholarship funding is concerned, there are some scholarships that don’t require the student to be a citizen or resident alien — check out a list of some of those at FinAid: finaid.org/otheraid/undocumented.phtml. Depending on what state you’re in there may also be other resources available to undocumented students. Have you checked with your state’s education department? Your school may be able to provide you additional resources as well. Check with your financial aid office to see what’s available.

  12. Ryin says:

    Hello, I am wondering if there are any private student loans available for a US citizen wanting to enroll directly in a medical university in another country? I have already applied for the Stafford Federal loans, but they will only give up to the cost of attending. I was hoping for some extra cash for the plane tickets there and to visit home, and maybe a little sightseeing.

  13. Barbara Raus says:

    Ryin — you may be able to find a private student loan to cover costs beyond the cost of attendance set by your school. However, you’ll need to make sure that you use the funds for qualified education expenses, which will likely be detailed in the promissory note for the loan. So, you might not be able to cover the expenses you detailed with a student loan. You could check with your school’s financial aid office to see what other students in your situation have used for financing additional expenses.

  14. Barbara says:

    Hello,

    Im an international student and I would like to know if its possible to get a loan being a not resident but having credit since I lived for almost 2 years in the US.

    Thanks a lot

    • Barbara Raus says:

      Barbara — There are loans available to international students, however, you’ll probably need a U.S. citizen cosigner in order to qualify. Generally, lenders do not extend credit to international students on their own. Your best bet is to check with the school you’d like to attend to see what financing is available there.

  15. Aki says:

    Dear Barbara,

    I’m an international student studying in the US. I need student loan for the upcoming year and I have a US citizen co-signer, but I one question I can’t figure out. In addition to the cost of tuition, I have to have enough money for living expenses such as rent, food, gas, etc. As you know, international students are allowed to work only on campus with limited time. Even if I worked 20 hours a week, it’s still not enough to pay my bills. Do you allow international students to have monthly living expenses?

    • Barbara Raus says:

      Aki — Borrowers can use most private student loans to cover qualified education expenses including living expenses while you’re in school. If you have a lender in mind, check with them to see what would be a qualified expense. Usually, the expenses you mentioned can be paid for with a private student loan.

  16. pd says:

    Hi, I’m an international student. I have a U.K. cosigner but not one from the U.S. is it possible for me to get a loan to study in the States?

    • Barbara Raus says:

      pd — Generally, lenders in the U.S. will require that international students have a U.S. cosigner.

  17. Ms. Rodriguez says:

    Hello, I have a bank account with Wellsfargo account that I opened using an ITIN, as I am not a resident or citizen of this country, and am undocumented. I keep getting offers from Wellsfargo to open a student loan. I have read through the posts and know I need a US citizen cosigner; but would I be able to do this on my own? if not, why do I keep gettig offers of a preapproved loan? Thank you so much, I appreciate your help.

    • Barbara Raus says:

      Ms. Rodriguez — You’re right that you would need a U.S. citizen cosigner. Wells Fargo does not mail pre-approved offers for student loans. You may have received information on Wells Fargo student loans, but you would still need to apply and be approved (with a cosigner).

  18. Jain says:

    Hey,

    When the US banks will start giving loans for students who wants to study outside of USA, I have two strong co-signers.

    But i dont want to study in USA?

    Any Suggestions,

    Thanks

    • Barbara Raus says:

      Jain – Are you wondering about borrowing from a U.S. bank if you are neither a U.S. resident nor studying here (so basically your only connection to the U.S. would be the lender)? Would you clarify your situation for me?

      • Jain says:

        Hey Barbara,

        Yeah you are thinking right that i need US lender for studying abroad but not in USA,

        I was studying in Newzeland before but due to this recession, Banks stop givings loans for outside of USA.

        Please suggest me on my situtaion, I have two well qualified co-signers.

        Thanks Barbara

        • Barbara Raus says:

          Jain – We can’t predict when the markets may change and lenders in the U.S. resume lending at your school. So, I’d suggest that you check with your school to see if other students have been in a similar situation. Your financial aid office might have some solutions specific to your school and your situation.

    • Santhi Sree says:

      Hi Jain,

      My brother got admission as graduate international student in SIUC. I am looking for student loan for him. I cannot co-sign the loan as I am on H1 visa. I need some one who can help me for co-sign. I will take care of his loan repayment.

    • Santhi Sree Muthyala says:

      Hi Jain,

      I am looking for student loan. I am on F1 status. Looking for co-signer who can help me.

    • christopher gayle says:

      my daughter is a british citizen who wants to attend university in the us i am a us citizen i applied for us residency for her its taking too long and might not come through in time how can i get a student loan for her please advice thanks

      • Dana says:

        Hi, for a student loan, most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

    • Anonymous says:

      Hey as far as I know we can get an ITIN if we are a tax payer in US or have got a scholarship/fellowship and I fulfill none of the criteria.
      Whereas Wells Fargo requires an ITIN for intentional students to apply for a student loan.
      Can you provide me some info on how to go about this?!
      Thanks!

  19. hardik patel says:

    CITI bank gives loans with US co-signers

    • Barbara Raus says:

      Wanted to mention that Wells Fargo makes private student loans available to international students who are temporary resident aliens and have a U.S. citizen cosigner.

  20. Stephanie says:

    I am an undocumented student living in Maryland. I graduated from high school this spring (2009) I got accepted to college and got scholarships that added up cover 1/2 my tuition. I still need some money to cover the rest of the tuition I am trying to get a loan I already have two U.S citizens that are willing to help the problem is one is already retired and the other one has a low credict score. I also want to know if I can apply for a loan by having a permanent resident cosigner? Please let me know as soon as possible I don’t want to lose the money I had already gotten which is about $20,000.00. Please help me.

  21. Mike says:

    Hey,

    International student who wishes to study in Canada, any Loan information reagrding to finance the studies.

    • Barbara Raus says:

      Hi Mike – As I’ve told some other commenters, the best place to start is with the financial aid office at the school you’re considering in Canada. They’ll be able to guide you through the available options for loans as well as scholarships and grants.

  22. SAM says:

    Hey there Barbra. I am an international student here in the US and my parents can’t pay for my school any more. I was counting on my co-signer to get a student loan from the citi bank and I was so sure that I would get it that I let my co-signer take his time in filling out the application. Today (3 weeks away from the beginning of the quarter) he completed the application and I was automaticaly denied the loan even if he earned more than the required yearly income. I have such a short time and I don’t have any other person who would be willing to sign for me or who would be eligible and if I don’t register for classes this fall I am going to fall out of status and I don’t have any where I could stay in the mean time because I am in another state. I don’t know what to do please any kind of advice will do or if I should apply some where else but i am thinking that i am going to be denied there too. I even tried lowering the amount of money that I was asking form a years school fee to a quarters’ but I was denied automaticaly again.
    HELP PLEASE!!!

    • Barbara Raus says:

      Sam – you may find that a different lender has different credit requirements that your cosigner may meet. So if you wanted to try applying with another lender you certainly could. You also may want to see if Citibank would give you more details on why your cosigner was not approved. Have you talked with your school about your other options for payment? Maybe there’s a possibility of other aid or a tuition payment plan.

  23. Anonymous says:

    It’not impossible to get a loan though

  24. April says:

    I’m exchange student who would like to get MBA degree in US, but my university required a financial statement from institution during admission process. Would it be possible to get loan approvement before I get acceptance from university?

    • Barbara Raus says:

      Hi April – You can start an application before you have things squared away with your admission. Check out this link to get an idea of what to expect when you apply: https://www.wellsfargo.com/student/whattoexpect/. Have you talked with your school about what exactly is required? During the loan approval process your lender will usually need to verify your enrollment. I’d suggest talking with your school’s financial aid office to see what other exchange students in your situation have done.

  25. Nelson says:

    Hi Barbara
    I am a nigerian student with an american citizen co-signer who is currently residing in nigeria.I wish to apply for a private student loan of USD20000 from Citibank or Bank of America with backing of the co-signer to meet the financial requirements for admission to study at an american community college next spring.Would either bank grant the loan so I can use the approved sum to meet the application requirement?

    • Barbara Raus says:

      Nelson – April had a similar question right before you and you can look to that answer for what happens at Wells Fargo, however I can’t tell you the process with another lender – best to check with them directly or go to the financial aid office at your school for more information.

  26. CH says:

    Hi Barbara,

    Is there any financial aid available for Canadian Permanent Residents (not citizens) in US?

  27. Desalegn Gurmu says:

    join me i want loan

  28. Oluwole says:

    am a post graduate student in a Uk university and am seriously in need of a loan to finish my masters degree. ideas about where and how to get the loan is needed urgently. Note: am not a US citizen, I dont stay in the US and I dont have a cosigner

    • Barbara Raus says:

      Oluwole – Your best bet is to talk with the financial aid office at the school you’re attending. Because you’re not a U.S. citizen or attending school in the U.S. your options here are limited, but your school should be able to give you information about other financing options.

  29. Carl says:

    Why do banks not give student loans to non citizens? Actual costs always exceed “Cost of education” as there is no allowance for when things go wrong – e.g. replacing broken computer? As a permanent resident, banks are very keen to hand out loans, but as soon as one reverts to student status, the “citizen” rule kicks in. Normal loans also fall off the wagon as a full time grad student no longer has an income. The only remaining resort seems to be the credit card with usory rates?

    • Barbara Raus says:

      Hi Carl – Citizenship requirements will differ from lender to lender. However, there are often times options for non-U.S. citizens to borrow a student loan with a U.S. citizen cosigner. You’ll need to check with each lender for further details.

  30. Greta says:

    Do banks like CitiAssist require an I-20 from the international student while processing their loan, or at any point? I already have one issued last July but wasn’t able to fly to the US immediately so I am required to secure a new one. It will take a few more weeks to get the I-20 and I want to process the loan now. Will I encounter difficulty?

    • Barbara Raus says:

      Greta – You’ll have to check with that lender to learn about their specific requirements for international student loan applications. They’ll be able to tell you what status you’ll need before you can submit a student loan application.

      • Greta says:

        Thanks, Barbara! I just got pre-approved. Do pre-approved private student loans ever get denied? Can I rest easy now while waiting for the certification from the school?

        • Barbara Raus says:

          Greta – If you’ve been preapproved, the lender generally will check out all the details of your application next to make sure you do indeed qualify. Once things are verified, they’ll be able to make the final decision.

  31. Emmanuel says:

    Hi, i am a Nigerian student wanting to study aviation.pls how do i get a loan.

    • Barbara Raus says:

      Emmanuel – Check with the school that you are planning to attend first. There might be aid other than student loans available. They’ll also be able to tell you about possible borrowing options.

  32. Njelama says:

    Dear barbara,
    Does Wells Fargo offer private loans to international students who have a cosigner?

  33. Nicole says:

    Dear Barbara, I am an undocumented student hoping to go to UCSD in 2011…I have been married to a US citizen for over two years…we cant process my papers because I was brought here as a child illegally, and if i try to, I will be forced to leave the country for at least 3 years. My husband and I will be attending school together and he will get a loan but my question is…will i be able to get a loan and have him as a cosigner (he does have a low credit score)? How about a separate cosigner? Does the fact that I’m married to a U.S. citizen help me in any way (the bank will have my husbands information)?

    • Barbara Raus says:

      Nielama – There are student loan with Wells Fargo available to permanent resident aliens who have a U.S. citizen to cosign the loan.

  34. Nicole says:

    Barbara, please read my question one more time. In doing so, you will see that I am not a permanent resident. I am classified as an EIW person. Please let me know if I can still get a loan somehow if my husband (who has a low credit score) can still get a loan for me (by cosigning).

    • Barbara Raus says:

      Nicole – Looks like my response to Nielama was posted as a response to your comment and I didn’t respond to you … apologies for not addressing your comment! Thanks for commenting again. Most lenders do require that the primary borrower be a temporary or permanent resident alien and have a U.S. citizen cosigner to qualify for a private student loan. Have you considered other financing option like a payment plan through the school or another type of consumer credit that your husband could get?

  35. Uzair says:

    Dear Barbra.
    After reading some of the blogs, I think you can answer me well.
    I am a citizen & resident of Pakistan, with no cosigner in US & UK.
    My age is 41, and I am a Business Post-Graduate.
    I need a Loan of US$ 15,000/= to finance 1)SAP Education & Certification 2)CIMA (Fast-track) Education during the next 12 months.
    Repayment is expected to start immediately after 12 months, and expected to be repaid in maximum 120 months – with early repayment option.
    For both the Qualifications, I intend to go as a private student with online education.
    Since Local Banks in Pakistan do not have the option of Education Loan.
    Can you guide me from where I can get such a Loan?

    • Barbara Raus says:

      Uzair – Since you aren’t studying in the U.S. I’m not as familiar with your options. Most U.S. lenders will lend to temporary or permanent resident aliens studying in the U.S., however there aren’t the same options with a U.S. lender when the student is completing programs outside of the U.S. Have you talked with the school where you are planning to complete your programs? They should be able to provide you more details on possible financing options.

  36. Uzair says:

    Dear Barbara;

    I am sorry for spelling mistake of your name.

  37. Kriti says:

    Hi Barbara,

    I’m an Indian citizen,currently residing in India and wanting to study in Canada (at the UofT’s Rotman MBA program).I am unable to secure a loan from Canada since I know no Canadian citizens/PRs who will cosign my loan. My first question is-will I be able to get a study loan from a US bank if I have US cosigners? My second question is: if I have been in the US for a year on a F2 visa, will I then be eligible for a student loan from a US bank to study in Canada (again, with US cosigners)? Please note that the Rotman school has a tie-up with only two Canadian banks, and I am unable to secure loans from either of them.

    Any help will be much appreciated!! Thank you!

    Best,
    Kriti

    • Barbara Raus says:

      Kriti – Most U.S. lenders will only lend to students at certain non-U.S. schools and only to U.S. citizens or resident aliens who have a U.S. citizen cosigner. Have you talked with the University of Toronto financial aid office? Maybe they’d be able to provide some guidance on what other students in your situation have done.

  38. Egbebiyi says:

    I would like to know if as a Nigerian coming into US to study as an international will be able to get a loan to pay my tuition and fees, living expenses and all that if i have a US citizen co-signer and also i will like to know the steps i need to follow in other to be able to get the loan. I have contacted some banks online and they told me that loans are not available to Nigerians and my chosen school in USA. So i will like to ask if possibly i can defer my admission into another school when i come over or possibly if i need to get another loan from another bank. Thanks so much.

    • Caroline Hanson says:

      @ Egbebiyi — Thank you for writing to us. Wells Fargo’s private student loans are available to international students who are temporary resident aliens with a current U.S. address and proper evidence of eligibility. International students must also have a U.S. citizen cosigner.

      Once you have selected a school that offers private student loans to international students, you will need to work with your current and your new school to determine how your admission will work.

  39. Egbebiyi says:

    @Caroline..
    am so sorry to disturb you again but i will need some clarifications about wat a proper evidence of eligibility . I presume the Well’s Fargo private students loan is not available to all schools. I will be glad if i can get to know or have the list of schools participating in the loan program for international student. Is Coleman University, CA part of the list of schools that you support.
    Thanks so much

    • Caroline Hanson says:

      @Egbebiyi – in order to demonstrate proper evidence of eligibility, you’ll need to provide a copy of your I-94 which will show your Visa class type. If the Visa class type is F1, F2, M1 or M2 then you would need to provide a copy of your I-20.

      Regarding your other question, you’re correct, Wells Fargo private student loans are not available at all schools. However, Coleman College in California does offer Wells Fargo private student loans for temporary resident aliens. To determine whether the schools you’re considering offer Wells Fargo private student loans, visit our website at wellsfargo.com/student, and click the “Find a loan” link in the middle of the page. If you enter your information, you can determine which of our private student loans are available at the school of your choice.

      Thanks for your questions.

      • Shweta Mohanty says:

        Hi,

        My I94 shows visa type H4, yet wellsfargo has asked me for I20. How do I give them an I20, when I dont have one. I am an inetrnational student with H4 visa and with a current U.S. address and proper evidence of eligibility and have a U.S. citizen cosigner. They are saying the loan cannot be approved until i submit I-20?

        Thanks,
        Would appreciate you response.

  40. Egbebiyi says:

    I used Coleman College San Diego CA which is the same thing as Coleman University of the website and I got to know that Coleman College is part of schools that offer Wells Fargo private loans for temporary student. Now do you think I should continue with my application or wait till i migrate to the USA.

    • Caroline Hanson says:

      @ Egbebiyi – eligibility requirements for Wells Fargo private loans call for a current U.S. address, so you would likely need to wait until you migrate to the U.S.

  41. Luka says:

    Hi Barbara,

    I was trying to find more information about the banks that do offer student loans to international students (with a US co-signer) but I couldn’t find much. I was wondering,could you tell me or give me some hints on which banks,beside Wells Fargo,offer loans to international students?
    Your help would be greatly appreciated!

    Thank you!

    Sincerely,
    Luka

    • Barbara Raus says:

      Hi Luka – Unfortunately, I don’t know of a centralized resource list of banks that offer loans to international students. Your best bet would be to check with your school for lender options available there. You could also visit each lender’s website directly to see if there is a possibility for international students. Here’s a list of lenders from FinAid: http://www.finaid.org/loans/educationlenders.phtml

  42. LARRIS says:

    Hi Barbara,

    I am an international student already in the US. Currently am in need of a student loan but cannot find anyone to co sign a loan for me. My family is back home and no onw seems to help me out. Do you know of any loan institution that can lend me a loan without a co signer.

    Thank you
    Larris

    • Barbara Raus Barbara says:

      Larris – Most financial institutions will only lend to international students who have a U.S. citizen cosigner. You might want to talk with the financial aid office at your school to see if there have been other students in your situation to see what options are available.

  43. Jesus says:

    Hi Barbara,
    I’m a peruvian student who has the co-signer , I have contacted with a counselour of the university that I want to assist , and Now I have almost all the requirements , but I still Don’t Have the Financial Letter of Support . And I want to get a loan of 20000 but I dont know which american banks give loans for international students that are outside of the US , please would you help me with this info , becouse I’ve been lookinf for the info , but I did’nt find much,

    Thanks for your consideration.

    • Barbara Raus Barbara says:

      Jesus — Your school would be able to give you a better idea of which lenders are willing to make loans there to students in situations similar to yours. Many U.S. lenders only lend at certain schools, so it’d be best to check with your school’s financial aid office to see what recommendations they can make specific to your situation.

  44. mbah sabastine ogechukwu. says:

    hi
    i intend to study in the usa.i live in nigeria.how can i access loan and cheap colleges.
    thanks

    • Barbara Raus Barbara says:

      Hi there – if you need to borrow as an international student you may look into a private student loan. To qualify, you’ll most likely need a U.S. citizen cosigner. Before you get to that step, though, you’ll want to decide which school you’d like to attend and then see the options that are available through that school’s financial aid office.

  45. natty says:

    some banks actually let you apply with a Co-signer who is not a US citizen but a Legal resident with a green card. am an international student and applied with a legal resident to citibank. However my co-signer just dropped me and so am stuck this year.

  46. Roland T says:

    I am an international student and have sucessfully gain admission to study MSc in Management at the university of the west of England Bristol , UK .I wish to ask if I am eligisble to apply for a loan in the US

    • Barbara Raus Barbara says:

      Roland – Best to check with the school you’ll be attending about financing options. Most U.S. lenders will lend to certain international students who are studying in the U.S., but there aren’t as many options for those studying outside of the U.S.

  47. Emmanuel Masona says:

    Hey,
    I have been in the u.s for a while and just graduated from high school. Am i eligible for student loans from WF?

    • Barbara Raus Barbara says:

      Hi Emmanuel – Your eligibility will depend on your citizenship status among other eligibility criteria. To see if you’re eligible you can check out the information on wellsfargo.com/student or call a student loan representative at 1-877-412-5321.

  48. chi says:

    hello, am in the US on a visiting visa and i have just made up my mind to change status to student visa. can i get a loan and if i do get a loan, how will i show the US embassy my financial statement?or is there a way i can come and speak to you directly.

  49. dhanasekar says:

    hi
    i am a indian need to do pilot training in uk can i get student loan in uk.. i dont have any cosigner.. is it possible

  50. jalal says:

    hey barbara im studnt from morocco i want to study international business in usa but i need a loand to pay every year 34000 $ for 3 years and dont have co-signer how i can get a loan ? pleas need help .

    • Barbara Raus Barbara says:

      Hi jalal – most international students studying in the U.S. need a U.S. citizen cosigner in order to qualify for a private student loan. Check with your school to see if there are alternate financing options available for you. Your financial aid office can talk to you about scholarship and grant options as well as whether or not a tuition payment plan is available for you to pay your tuition over the course of the semester.

  51. David says:

    My wife is a resident alien and has an outstanding student loan. I did not cosign the loan with her. If she goes back home am I responsible for her unpaid loan balance? Does it matter if we divorce first before she goes home? Or am I responsible no matter what?

    • Barbara Raus Barbara says:

      David – As a general rule, if you did not sign the Consumer Credit Agreement you would not be liable for repayment of the loan. However, state law in community property states may impact your obligation. You should consult with your own legal counsel to determine your specific situation.

  52. Chris Dickens says:

    Good Morning Barbara,

    I am a liitle older than most students (37), and have long since paid off my student loans (with Citi Bank), but I have been accepted to to a program in Switzerland to further my education. Even though the program is listed as one of the top 3 in the world- they are not acredited by the US Departement of Education- their acredidation is with the New England Association of Schools and Colleges. I have researched for weeks any banks that will lend to a US citizen with a US based Co-signer (my mother) with excellent credit! Can you offer any suggestions that I have not explored. I have already contacted the school to see if they might offer direction, but they explained that as of now “they don’t have any US lenders that they work with”.

    Thanks for any help you might offer,
    Chris

    • Barbara Raus Barbara says:

      Hi Chris – Most lenders will only lend at certain schools. If your school has said that they don’t work with any U.S. lenders then a student loan through a U.S. lender is probably not an option. Are there other consumer credit options you could consider (personal loan, home equity, depending on assets)?

  53. Britney says:

    Hi Barbara – I am a US citizen currently studying in the UK, while my boyfriend is a UK citizen who would like to study in the US next year.

    What I would like to know is whether I would be eligible to cosign a private loan for him to study in the US. I know that the criteria probably vary from lender to lender, but can you give me a general idea of what lenders look for in a cosigner? I am not yet done with school and have student loans of my own, so I am worried that I would not be eligible to help my boyfriend. I am also a full-time student in the UK right now, so I do not have a job in the US as a source of income.

    Thanks.

    • Barbara Raus Barbara says:

      Britney – Lenders consider a number of things when they look at a student loan borrower and cosigner – generally the income to support the debt is something included in that list. Lenders use a debt to income ratio to see if a borrower is capable of repaying the debt. There may be other options for your boyfriend, though. Make sure he talks with the financial aid office at his prospective U.S. school. They could have scholarship opportunities or tuition payment plans to help.

  54. JoannaCroy says:

    Barbara –

    You seem to know your stuff. I’ve found all your posts really helpful. Do you know of any loans or even scholarships that are available to single mothers in need? I have 3 kids I’m trying to raise while going to college, and it’s not easy! I thought maybe there were some loan programs that might help single mothers specifically. I’ve tried sites like salliemae.com for loans or scholarshipseasy.com to find scholarships but can’t find much available that are specifically for single mothers.

    P.S. I know this post is old but it seems you’re still answering questions here. *crosses fingers*

    Thanks,

    Joanna

    EDITOR’S NOTE: Just so you know, we removed URLs from this comment in accordance with our Comment Guidelines. Nothing else has been changed or altered in any way.

    • Barbara Raus Barbara says:

      Joanna – I’m not familiar with any particular programs for single mothers. You may want to check to see if any programs exist at your state level. Also, I know that Fastweb is a scholarship search that allows you to customize some information about yourself, so you may be able to locate scholarship opportunities there. As far as student loans go, be sure you’re looking into federal funding as some of it is need based and there may be scholarships or grants open to you by filing a Free Application for Federal Student Aid (FAFSA). I’m glad you’re finding the blog helpful. Let us know if there are other things you’d like to talk about with us.

  55. alex estrada says:

    Hi barbara

    i am an undocumented student and i was wondering if i would be able to get a private bank loan from lets say wells fargo if i have an uncle who is legally here with a ssn. could i have him as a cosigner? and do i also need to have a ssn for this tyoe of loan?

    • Barbara Raus Barbara says:

      Hi alex – To borrow a student loan you’d need to be a permanent or temporary resident alien. Unfortunately, in your situation there is not a traditional student loan that would be available. Have you talked with your school about other options like scholarships and grants or a payment plan?

  56. RRR says:

    I’m an international student in the US and I have a Permanent Resident co-signer (My mother).
    She has a good credit history and I have an okay credit history (have had 2 credit cards in the past 3 years).
    I applied to Chase and got denied. I applied to Citi and they said that they would get back to me, but I think it means a denial. My last chance is with SallieMae. I’m waiting for their offline application.
    I was accepted to Cornell University Grad Program and need to borrow around $80K.
    Am I doing something wrong?
    Should I borrow the money at once or borrow a little now and a little later?
    I was really hoping I would get the approvals. I’m feeling really bad, at the moment :(.

    • Caroline Hanson Caroline says:

      Hi RRR – without knowing all the details, I can’t really speak to why you’ve been denied. Consider visiting with the lenders you have applied for to see if they can help clarify your reasons for denial. Otherwise, you may wish to visit with the financial aid office at Cornell to see if they can offer any additional assistance, in terms of other lenders they work with, or other forms of financial aid.

  57. Blaise says:

    I am an international student who’s been accepted into Cornell University for undergrad this year, but without financial aid. However, my aunt is a US Permanent Resident (she has a green card). The problem is that she now lives in Switzerland (since the beginning of last year). Can I still get a loan in these circumstances?

    • Caroline Hanson Caroline says:

      Hi Blaise – thanks for your question. Whether or not you can get a loan will depend on the terms set by the student loan lender you choose. You may wish to call a potential lender first to determine the conditions they set for international students and their loan cosigners.

  58. Ben says:

    Hey there,

    I’m an Australian student hoping to enroll in a US lawschool. I have a US co-signor who has excellent credit. How long is the average turn around for a loan? From acceptance to starting school I think I have a month!
    Further, can my co-signor apply on my behalf with signed documentation from me? I will be out of the country.
    Thanks!

    Ben

    • Barbara Raus Barbara says:

      Hi Ben – You’ll need to be involved in the process eventually, but your cosigner could start an application for you over the phone with Wells Fargo. I can’t speak for the process with other lenders. How long the process takes depends on the loan and the school you’re attending.

  59. Jose Pelaez says:

    Dear Barbara,

    I am not a U.S. citizen. I just bought an apartment in the U.S. as an investment. However, most of my savings where invested in this property. Can I ask for a student loan from a U.S. bank using this property as a collateral. The problem is that I don’t have a co-signer.

    The property costs 3 times the value of the “prospective” loan.

    Thank you in advance for your response.

    Regars,
    Jose

    • Barbara Raus Barbara says:

      @Jose – Thank you for your comment! Traditional student loans do not require collateral, so a traditional student loan would still require as cosigner. However, some folks opt to borrow against the equity in their home to contribute to education costs. Have you considered a home equity loan or line to cover the cost?

  60. ken says:

    hello am from trinidad and tobago i need 60,000 to become a comercial pilot but i have no co signer in the US with cabair florida.can anyone help me?

  61. Siam says:

    Dear Barbara,

    I am an international student studying in Canada, and I was wondering if I could get a student loan from banks in the United States to pay for my future semesters at school here. I do have an eligible US cosigner if that would help my case. I am neither a Canadian citizen nor a US one though.

    If I do have any such options could you please list them for me. I know that Canadian banks do not hand out loans to international student and the other resources that I have checked out aren’t very promising either.

    Thank you very much for your time.

    Siam

    • Barbara Raus Barbara says:

      Siam – you’d have to check with your school to see if there are any U.S. lenders who are lending at that institution. Then it’d depend on the lender’s qualifications as to whether or not an international student with a U.S. cosigner could qualify.

  62. Rohit says:

    Hi Barbara,

    My name is Rohit and I have been accepted at the Graduate School at the North Carolina State University for Masters in Mechanical Engineering. Could you please let me know if I can approach the office of financial services at the University for an education without a US Co-Signer? In general what I want to know is : “Is it possible for international students to get education loans through their schools without a US Co-Signer” ?

    Thanks

    Rohit

  63. Yash Motipara says:

    Hi Barbara,

    I’m Yash from Mumbai, India and have been accepted at the Graduate School at the University of Texas at Arlingon for Masters in Electrial Engineering.

    I wanted to sign up for the Wells Fargo Collegiate Loan.

    I have a creditworthy co-signer willing to co-sign my loan – she’s my aunt staying in Michigan.

    When I was applying online for the loan, I could not go ahead with the application.

    The reason being, there are no loans for a non-resident alien.

    But I have seniors in the University who have taken the same Loan.

    So kindly guide through the entire process. I would like to complete the loan procedure from India.

    • Barbara Raus Barbara says:

      Hi Yash – Wells Fargo loans do require that students are a permanent or temporary resident alien to qualify. Those students must also have a U.S. citizen cosigner to qualify. Do you know if the situation of the other students was the same as yours?

  64. jj says:

    hi im looking for loans 2 Study in the US. ialready applied 2 sallie mae twice but they havent responded. im jamaican. wud i qualify for a wells fargo loan/ iv been accepted 2 the school and i have my visa and all that

    • Barbara Raus Barbara says:

      jj – To qualify with Wells Fargo, a student must be a U.S. citizen or a permanent or temporary resident alien with a U.S. citizen cosigner. You would have to apply to see if you meet the requirements.

  65. Sammy Naman says:

    Hi Barbara,

    I’m an international student from Colombia currently attending Bradley University. I’m starting my sophomore year in a couple of weeks. Although I already paid my first month, I was wondering If I’m able tO get a loan from somewhere else since I do not have the rest of the semester covered. I might have a US codified but his credit score is not that good. What would be a good bank to apply for a loan? Thanks.
    Sammy

    • Barbara Raus Barbara says:

      Hi Sammy – It depends on your situation. Most lenders require borrowers to be a temporary or permanent resident alien. You could check with your school’s financial aid office to see if they have a list of lenders who might offer a solution for you.

  66. Rodrigo says:

    Hi Barbara, I’ve been looking at the loan offered at Wells Fargo, it seems it might work for international students but I still don’t get how it works.

    I am an international student in an elegible college for the credit. I do have a co-signer (US-Citizen) actually I have about 4 who are willing to help me with this, all of them with good credit.

    I would like to know what we have to do, they are asking me for everything I cans send them of information just so they can come with me and go to the bank and sign.

    I currently don’t have a S.S. number (that’s why I can’t go further in the process only) but I am about to apply for one as college is giving me a job on campus (get a job then get a S.S. number, then work, it was also something hard to understand, things are quite complex!)

    Thank you, any information you may bring me will bee helpful.

  67. violeta says:

    Hello,
    I am an undocumented student, as of now. But I’ve filed for a U visa. Once that is approved I will get a work permit and I will be able to apply for a SSN. I will be classified as a non resident legal alien, I think. So my question is, seeibg as how I still won’t seem to qualify for federal financial aid, could I apply for a private student loan. If so, will I need a cosigner?

  68. Rebeka says:

    Deal Barbara!
    I am a Romanian citizen who lives in Hungary(finished high school there).I am a straight A student,am a part of Rotaract and had been a Rotary Youth Exchange student as well.I earns several scholarships For business school,law,biology in Hungary for the next year.I am planning on applying for university in the United States,wishing for a scholarship but as i ve seen i know it is going to be very difficult to get.I was wondering if you could help me with your kind advice about my situation.
    My question is if it would be possible for me to get a loan to be able to afford my studies?My boyfriend is going to start residency (as a doctor) in the united states becoming a temporary resident with a J-1 visa who is willing to be my co-signer. COULD HE BECOME MY CO-SIGNER?
    Thank you for your help and understanding and for your answer for a possible maybe far future.
    R.

    • Barbara Raus Barbara says:

      Rebeka – It depends on the loan requirements. For a loan with Wells Fargo, borrowers must be permanent or temporary resident aliens with a U.S. citizen cosigner. I’d recommend that you check with your potential schools to see what grants, scholarships and other financial aid is available there. They can also talk you through any borrowing options that may be available.

  69. cristina says:

    I am an undocumented student i was hoping to find a loan so that it could help me go to college but both my parents are undocumented can they still be my CoSingners they bothe have exellent credit consedering they have been her for 20 years and if so were can i find a loan like this

    • Barbara Raus Barbara says:

      Cristina – most student lenders require borrowers to be temporary or permanent resident aliens. I’d check with your school to see what other students in your situation have done. Perhaps the school offers a payment plan that would be a solution.

  70. Noah says:

    Hi my family and I lived in U.S. for over 6 years and are currently waiting for our green card; I have a green card pending status so I’m a non resident legal alien. My parents have gotten home loans although they are non resident legal aliens. Also, there are several citizens and permanent residents who are willing to cosign for my loan, but some have no credit histories at all… Would a citizen who have no credit history affect my chance of getting a student loan? or would I need a cosigner to apply for a loan?

    • Barbara Raus Barbara says:

      Hi Noah – Any U.S. citizen cosigner would need to meet the credit requirements set by the lender in order to qualify for the loan. However, for most student loans the student borrower must be a permanent or temporary resident alien.

  71. Saif says:

    Honorable Ma’am
    I’m an international student. I need a loan of around $80000 to study at Gatech( the rest I can afford. I’ll apply this year.). I’ve got my relatives in USA who are ready to be cosigners. Is it possible for me to get a loan of $80000 with a repayment period of at LEAST 15 years, to (preferably) 20/25 years?

    • Caroline Hanson Caroline says:

      Hi Saif – we do offer private student loans for international students with a U.S. cosigner. The repayment term is typically 15 years and the amount you can borrow is based on your cost of attendance within certain limits. You would need to submit an application to learn whether you qualify.

  72. rajivkaushik says:

    i am an indian student looking to take freshmen admission in usa/uk/australia ,do they actually provide financial aid to international students or there some other way of funding the education?

    • Barbara Raus Barbara says:

      Hi rajivkaushik — Wells Fargo does offer private student loans to international students who have a U.S. cosigner and satisfy certain other eligibility requirements. Check with your school to see if they work with Wells Fargo for private student loans, or if they have other funding options for you.

  73. RAKIA says:

    Dear Barbara
    I am resident usa I work part time I am thing to study. I have GED from my home country could you advise me what shall I do if I need to apply full time did they cover my fees living bills gas do you advise me stay to work part time I am confuse .

    same time I have sister in Australia she encouraged me to got loan to study over there she can help me about the cost of home food I don’t know do you thing is better to study in Australia because she will support me and I can study full time ,and can i found loan to study in Australia .

    Your advise much appreciated .
    Rakia

    • Barbara Raus Barbara says:

      Rakia – If you are a temporary or permanent resident alien in the U.S., you may qualify for a student loan to cover living expenses while you are enrolled at an eligible U.S. school if you apply with a U.S. citizen cosigner.

  74. Andy says:

    Hi Barbra,

    Just wanna say how much I appreciate the helpful and courteous advice you’ve been giving to all the students here! Keep up the good work!

  75. Manny says:

    Dear Barbara,

    Im a temporary resident through marriage. I will become permanent resident in one year. I’m trying to apply for loans for school but it seems I’m unable to get any loans. I have a US citizen as a co-signer who has a great credit score and a great job as a pharmacist. I applied to the Wells Fargo bank but I got denied and I was just wondering if it was because I’m a temporary resident? I’m trying to get $22,000 for the first year of school.
    Please advice.
    Thanks!

  76. Rajan says:

    Dear Barbara,

    I am holding a h1B visa. I got married recently. My wife moved here from India. She is planning to go back to school. I would like to know if I would be eligible for a loan to support her finances for school.
    please advice.

    Thanks
    Rajan

  77. Anshul says:

    Dear Barbara,

    I will be joining a University in California in January 2012. This is a one year Masters in financial Engineering program. As part of financial aid I am receiving a loan amount of $42000. This loan does not require a cosigner. However, the cost of attendance including room and boarding for the program is about $80000. I would like to get an additional loan of about $35000 to cover these costs. I do have a US cosigner willing to co-borrow the loan with me. I recently came to know that I can take only one student loan. The other additional loan of $35000 will have to be a non student loan. Can you please confirm if that is the case? If yes, then which bank can help me secure this additional loan? What will be the terms and conditions of the non student loan? I do not have a Social Security Number as yet. Hence, will my US cosigner have to become the primary borrower in this case? My cosigner is uncomfortable cosigning a full student loan amount of $77000 which I can get from any other organisation outside the one which my University has tied up with.

    Kind Regards
    Anshul

    • Barbara Raus Barbara says:

      Hi Anshul – This would be a good question to discuss with your school’s financial aid office. I am not sure why you would be limited to one student loan, but perhaps if you explain your cosigner situation to your financial aid officer, you may be able work out a solution.

  78. Anonymous says:

    i want to know that i finished my undergraduate and now i want to continue my masters degree in a university where i can find a student loan for international student… i live in new york … let me know if possible

    • Barbara Raus Barbara says:

      @ anonymous — Wells Fargo offers private student loans to U.S. citizens, U.S. nationals, permanent resident aliens without conditions, or international students who are temporary resident aliens with a current U.S. address and proper evidence of eligibility. For permanent and temporary resident aliens, a U.S. citizen must cosign the loan. To learn which private student loan may be right for you, visit wellsfargo.com/student and use the “Compare Our Loans” tool in the upper right corner.

  79. bal says:

    Hi Barbara, I am a foreign student in california. I want to take advantage of the loan program offered by wells fargo. I have a US citizen co-signer. I called the wells fargo loan department and they told me that I must have either SSN or Tax id number to be eligible to apply for the loan. The problem is that foreign students and not issued SSN or Tax id number unless a student works on campus. I never worked on campus and I don’t have SSN or Tax id number. So Is that mean that I can’t apply for loan?

    • Barbara Raus Barbara says:

      Hi bal – It sounds like you are here on an F-1 Visa. According to the Social Security Administration website, in that situation if a student is academic only and not working, the school can issue you a Tax ID number if you don’t have a Social Security Number. I’d recommend you talk with your school about your situation and see how you can move forward getting a Tax ID number.

  80. ashley says:

    hello,
    i am a Canadian student who wants to study in the US. i do not require a student visa to study in the united states, and have a US cosigner. are there any loans i am eligible for? i have had some trouble finding loans.

    • Barbara Raus Barbara says:

      Hi Ashley – Wells Fargo offers private student loans to U.S. citizens, U.S. nationals, permanent resident aliens without conditions, or international students who are temporary resident aliens with a current U.S. address and proper evidence of eligibility. For permanent and temporary resident aliens, a U.S. citizen must cosign the loan. To learn which private student loan may be right for you, visit wellsfargo.com/student and use the “Compare Our Loans” tool in the upper right corner.

  81. Kiran says:

    Hi Barbara,

    I am an Indian Citizen currently pursuing MBA in US. I am looking for a student loan, I donot have any US citizens who can co-sign for my loan, but I have few friends who are on work visa(H1B), with a good credit score and happy to co-sign. Are there any financial instituions who offer student loans which accept a non-US citizen as co-signer? Please kindly advise. Thank you.

    • Barbara Raus Barbara says:

      Kiran – As far as I know most lenders do require a U.S. citizen cosigner for non-citizen borrowers. I’d recommend you talk with your school’s financial aid office to see what other options may be available to you.

  82. july says:

    hi,
    I am an international student doing aviation flight degree in us university. i have 2 cosigner who have been residing in united states for 10 yrs an 5 yrs respectively, however neither of them are us-residents or a green card holders. they have a house,good credit score, and good job. i looked upon for international student loan co-signer requirement and every one needs a us/green card co-signer. although studying in us is a bit expensive for everyone my pilot degree have has added an extra burden, so i was trying to see any available loan. any loan/aid info for international student with a h1-b cosigner will be a great help.
    thanks

    • Barbara Raus Barbara says:

      july – Most private student loans (as you found out through your research) do require a U.S. citizen cosigner. I’d recommend that you talk with your school about other options available through them or what they’ve seen other students in your situation do.

  83. Sanjay says:

    Dear Barbara,
    My son is a US citizen by birth, now living in India & wanting to pursue his Bachelors at a US university. We his parents are Indian citizens. Our query is:
    1. Will he qualify for a student loan without a US citizen cosigner?
    2. Our daughter is a Temporary Alien in the US working on a H1 visa, & with a very good credit score. Would she be eligible to cosign?

    Thanks
    Sanjay

    • Barbara Raus Barbara says:

      Sanjay – Your son could try to qualify for a loan on his own, however he would need to meet all the qualifications for credit, income, etc. depending on the lender on his own to do so. Otherwise he would need a U.S. citizen cosigner in order to qualify with most lenders. So, unfortunately, your daughter would not be able to cosign a student loan for him.

  84. Adam says:

    Dear Barbara,

    I’m a temporary resident alien who has had a credit card for a year.
    I also have an income of about $1500 a month. I am employed for 7 months now and will work there for another 5 months until I go to college.
    I am planning to apply for a private student loan with my best friend (US citizen) as a cosigner, but he does not have a credit history..
    Does this mean that I meet credit history, income, and employment requirements to qualify for the private student loan although my cosigner
    doesnt? or do you think I don’t have enough credit history because it’s only been a year since I’ve been using my credit card?

    Would I need to have a high credit score (700+) in order to get accepted for the loan from Wells Fargo or would it be okay because I have been working and have an income?

    Please give me a reply.
    Thank you so much for your time.

    • Barbara Raus Barbara says:

      Hi Adam – thanks for your question. To help you better understand the role of a cosigner, know that a cosigner is someone with a more established and positive credit history than yours who would be responsible for repayment of the loan in the event that you were unable to repay it yourself. A good cosigner generally has: steady employment with enough income to meet debt obligations; ability to meet credit obligations; credit that is not overextended; and no serious negative items on their credit history.

  85. Ronald L says:

    Barbara,

    I have been accepted to a graduate program in Argentina. I have been looking into loan options but the university in Argentina (UADE) does not have a “school code” and is not listed under any of ther international schools associated with the USA. Is there any way to fund this education? Can I use a “direct-to-consumer” loan? I am a US citizen and have a co-signer. The only problem seems to be that the Argentina university is not associated with the US. Any advice would be great. Thanks!

    • Barbara Raus Barbara says:

      Ronald – to borrow a student loan with a U.S. lender, the school would need to be a school that lender chooses to do business with. As far as I know, there are limited lenders that have relationships with schools located outside the U.S. There may be another type of borrowing option for you to consider. I’d recommend that you talk with your school about how other students in your situation have covered their costs. They’ll be able to give you the best advice on what options are available.

  86. nkosibongwe says:

    y r Zimbabweans not covered by these loans?

    • Barbara Raus Barbara says:

      Hi nkosibongwe – Student loans made by U.S. lenders are generally available to U.S. citizens and permanent or temporary resident aliens with a U.S. citizen cosigner. These provisions generally are part of how the lender manages the risk of making loans. Certain guidelines are put in place to ensure repayment of the loan.

  87. Med says:

    Hi!

    For a Canadian citizen attending a US medical school in the fall, I’m in deperate need of loans (since med schools don’t have scholarships)

    My parents both work and live in the U.S. with a house but still paying mortgage. Neither of them have permanent residency status or citizenship. Is a home equity loan an option for education purposes? And if so, which banks do you have in mind? Thanks!

    (btw you can count Canadian banks out of the picture I already tried)

    • Barbara Raus Barbara says:

      Med – First of all be sure that you’re not just relying on your school for scholarship opportunities; you may find something available in the private sector or something not specific to medical students. Home equity is something that could be used for education purposes. I’m not the expert on what the qualifications for that would be, but you could check with Wells Fargo’s home equity representatives. You can get the contact information and more details about Home Equity financing with Wells Fargo here: https://www.wellsfargo.com/equity/

  88. Dhruv says:

    Hi Barbara,

    I have been accepted to a MBA program in Canada. I have been looking into student loan options from USA.I am Indian citizen will be entering Canada on student visa. Will I be able to get a study loan from a US bank if my brother who is US citizen co sign my loan application?

    • Barbara Raus Barbara says:

      Dhruv – Most U.S. lenders will only make student loans to permanent or temporary resident aliens with a U.S. cosigner who are studying at certain colleges and universities (mostly in the United States). I’d suggest you talk with your school’s financial aid office to see what options are available for you at that school.

  89. najeeb says:

    i wanna complet my universty can u do some thing for me

  90. Dalia says:

    Hi Barbara,

    What would you recommend to a mexican citizen working the U.S. under an H4 visa to get a loan/grant for grad school?
    The Mexican government will not help me because I don’t reside in Mexico, and the U.S. won’t help me because I’m not a permanent resident. Such a lovely situation!

    I might as well tell you that one of my school options is in Spain (distance program); I don’t know if this has any influence in getting a loan/grant.

    Any ideas? I would greatly appreciate it!

    Thank you!

  91. Punit says:

    Hello,
    I would like to know if a permanent resident can co sign a student loan for an f-1 student? If so what documents would he need?
    Thanks,
    Punit

  92. Tania says:

    Hello,
    I am an international student with a dependent G-4 visa (for international organization workers). My dad works at the Pan-American Health Organization in Washington DC and with a G4 visa as well.
    I was wondering if we are eligible to get a loan to pay this semester. I am full-time junior enrolled in George Mason Univesity, Virginia. Also, my dad has a social security number but I don’t, still do we need to get a co-signer if my dad asks for the loan? Or can we do it by ourselves? Thanks a lot !

  93. Amia says:

    Hi there,
    I want to go to Perth to do my degree,from Sri Lanka.Do you know any private foreign companies which would lend money to study in Perth University?

    Thank you,
    Amia

    • Katie Soo Katie says:

      Hey Amia Thanks for your interest, however I recommend that you contact your school’s Financial Aid Office for any lenders that your school participates with. They should be able to walk you through what’s available.

  94. asal says:

    Hi Barbara,
    I am a foreign student. I have an MA acceptance from one of credible U.S universities, but without financial aid. I am planning to move to U.S on F1 visa and attend this university . This is my question: Because of the fact that the private lenders demand SSN in their application, is it possible for me to apply for loan from my own country, before moving to U.S to cover my initial expenses? or it is necessary to reside in U.S and then apply and receive the loan. Moreover I want to know how much id the duration between completing my loan application and receiving the loan?

  95. segun says:

    is it possible to secure loan for a -months short course in canada for an international student that does not have permanent resident and pay back when working.

    • Katie Soo Katie says:

      Segun– for a private student loan, most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

  96. Kate says:

    Hi!

    I’m a Canadian citizen studying in the USA on an F-1 student visa. I am now in the last term of my Freshman year, with a high GPA (3.66 so far, if that matters). I am declared as Pre-med, with intentions of completing to medical school.

    I’ve run into financial issues. I had my tuition just covered by Canada student loans, and my brother had offered help with living expenses and textbook money which I was short on. However he had to back out due to his losing hours at work, and I am now short on living money and Spring tuition, as I found out part way in that he would no longer be helping me.

    I will also note: I have a bad personal credit rating, due to an earlier situation in my life. This is a situation that I could not help, and that I will definitely take care of when I have a degree.

    Alright, now for my question:
    I am already maxed out on Canada student loans. I do have a potential US citizen cosigner with good credit, and am considering applying for a bank loan. My question is…will my own credit rating get in the way of a private student loan, or will having a cosigner take care of that?

    Thanks very much!

    • Katie Soo Katie says:

      Kate– for a private student loan, most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

  97. Xander Dolan says:

    Hello,

    Im a US citizen and have been accepted into a graduate program in Barcelona,Spain. The school is called Universitat Politecnica de Catalunya (UPC.edu) however the schools financial aid only offers Spanish banks. I currently have no debt, good credit and 2 cosigners but have not found a lender to offer me a loan. I dont know what to do.

    • Katie Soo Katie says:

      Hey Xander I recommend that you contact your school’s Financial Aid Office for any lenders that your school participates with. They should be able to walk you through what’s available.

  98. Ankit Nehra says:

    I am an international student from India. I have a co-signer from India who has a good credit record and is ready to show collateral if required for the total amount of loan. Should I hope of getting any loan? I have been admitted to Rose-Hulman Institute if Technology, if that helps.

  99. Katrina says:

    Hi there! I am currently on an H-1 status, have good credit and have been living in the U.S. for the last 10 years.

    My little brother is going to school in University of California Riverside but the school has no financial aid options for international students. I’ve looked online but can’t seem to find much. I called a few of the major banks (Bank of America, Citi, Wells), but they all require a U.S. cosigner.

    Any advice here?

    Thank you very much!

    • Nancy says:

      Hey Katrina – for a student loan, most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your brother’s financial aid office at the school to see what recommendations they’d have for someone in your situation.

  100. Muhannad says:

    Hi
    I wanna study in the states and im wondering if i can get a loan and apply for college like would the college accept aproved loans statments?
    and how i can apply for an international student loan?
    thanks.

    • Nancy says:

      Muhannad-for a student loan, most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation

  101. VRA says:

    Hi,

    I am writing on behalf of a friend from Pakistan. She has been accepted for a reputed full-time MBA program (starting in July 2012), with an 80% tuition scholarship. However to fund the remainder of her expenses she is looking to avail of a student loan.

    Her only acquaintance in the US has agreed to cosign a loan for her. He has been in the US for over 3.5 years and has been working for a reputed American IT firm for over 18 months now, on an H1 visa. His annual salary is around $50,000 and he has a good credit history. However he is NOT a green card holder.

    Please advise if there is any lender who would sanction a loan with such a cosigner? Most lenders need the cosigner to be either a US citizen or a green card holder.

    I am writing in explicitly because sadly, despite her excellent academic and extra-curricular record, without a student loan she stands to lose out on this wonderful opportunity.

    Looking forward to your reply.

    Regards,
    VRA,
    Mumbai, India

    • Nancy says:

      Congrats to your friend! International student is a tough one; most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d have your friend check with the school’s financial aid office to see what recommendations they’d have for someone in her situation.

  102. Chanz says:

    Hi, im an itnternational student from Jamaica and I’m unable to pay for college right now. Are there any student loans that are available to me?

    • Nancy says:

      Hey Chanz, this seems to be a popular question right now. There are student loans available; most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. Make an appointment with your school’s financial aid office to see what recommendations they’d have for someone in your situation. Best of luck!

  103. Shanell says:

    hello

    i am a from Jamaica and i have gained admission to slippery rock university university. i want to begin in august. i have a co signer living in the Florida. i need help selecting a loan program.i need to a sure bank to apply to because time is running out.

    sigh
    please help me

    urgent

  104. Shanell says:

    the school has no financial aid for international student until the second year.so that’s no option.

    • Nancy says:

      Good afternoonShanell! For a student to qualify they would need to be a temporary or permanent resident alien and their cosigner would generally need to be a U.S. citizen. Shoot us an email through Ask the Expert (the links on the right hand side of the page) and someone can get back in touch regarding the specific requirements. Thanks!

  105. gabe says:

    So undocumented students in the USA can’t get a loan?

  106. SK says:

    I am an American citizen studying at a college in India. Can I apply for a private loan with a cosigner? I do not see any schools from India on the list of schools in your application for private loans.

    • Nancy says:

      SK, I hope you are enjoying your time in India I recommend that you contact your school’s Financial Aid Office for any lenders that your school participates with. They should be able to walk you through what’s available. Good Luck!

  107. Jaliah says:

    Hi, I am from Nigeria but live in france and i have been admitted into a French Business school with a campus in North Carolina and and has a partnership with NCSU’s POOLE school of management. I arrive in the US in a few days but concerned about tuition and other cost of schooling and will like to know if i qualify for a loan even though the program is a partnership one between both schools. Also i already have managed to secure a cosigner for my loan if i am approved. Thank you

    • Dana says:

      Hey Jaliah – for a student loan, most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

  108. Esmeralda says:

    Hello,

    I am from Mexico and planning to spend an academic year in Ca, which will help me to apply for a graduated degree. My parents will cover all my expenses, including the expenses of the graduate program. However, I am still hesitating about my field. I was wondering to know that if I would like to do another different bachelor´s degree there, is there a way to get a loan? I meant, the expenses for a graduated degree are not the same for graduated studies, thus I would like to know if it will be possible for me to get some financial aid (a loan exactly) from an American Bank.

    Thanks.

    PS. I have a us citizen cosigner.

    • Dana says:

      Hey Esmeralda – Congratulations on furthering your education. For a private student loan, most lenders require a student who is a permanent or temporary resident alien to apply with a cosigner who is a U.S. citizen. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

  109. Anonymous says:

    Hi
    I’m safaa I just fininshed my second semester in monreo college and I find difficulties in paying tuition for third one can I take loan for all semester tuition while i’m international ,I have cosigner but he has zero credit ,how long the time give me to return the money back.
    Please help me.

    • Dana says:

      Hi Safaa – I would recommend contacting your school’s Financial Aid Office first for scholarships, Pell Grants or work study programs that may be available. Private student loans are another option to cover tuition or college-related expenses. Wells Fargo offers a variety of private student loan products with competitive fixed or variable interest rate options. To learn more about these options, please visit our website at http://www.wellsfargo.com/student.

  110. ajit says:

    thank for providing information about student loan…
    thats helpful for all….
    post more information..

  111. Su Sandar says:

    Hi, i want to know a little about cosigner. did a cosigner have to be rich ?

    • Dana says:

      Hi Su, Many lenders require private student loan applicants to have a cosigner, especially undergraduates or students who don’t have a steady income or credit history. Lenders may require student loan applicants to have an established and positive credit history, an acceptable debt-to-income ratio, and a minimum income to qualify for a private student loan. Because of these eligibility requirements, most students will need a cosigner in order to qualify. A cosigner can be any adult who meets certain credit and citizenship requirements. A cosigner doesn’t have to be a relative; he or she can be anyone who meets the general eligibility requirements. Student loan applicants who are either a permanent or temporary resident alien may also be required to apply with a cosigner who is a U.S. citizen. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

  112. C says:

    I am a U.S. student wanting to study for a PhD in business at a UK school. The program is research based, with residencies. Therefore, I will be spending most time here in the U.S. to research, and take some online core classes, while also traveling to the UK to take classes there as well. The program is triple accredited, including the prestigous AACSB. The Direct Loan system does not allow for any distance learning study at all. Besides Sallie Mae, are there any other lenders for a private loan?

  113. fad says:

    Hi
    I am international student from JORDAN ,I want to study Master of Science In Information Systems Management in coleman unversity ,I have just social security card and F1 visa ,Is there any loan avaliable for me ?
    thanks

    • Dana says:

      Hi, for a student loan, most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

    • ABB says:

      Hi Fad – Can you let me know if your F1 visa and H1B petition went well since you studies at Coleman university? I have heard many ppl from that university get an RFE.

      Thanks,
      AB

  114. darinka says:

    Hi I am a temporary resident and I was wondering if im able to get out two private loans the same year?

    • Dana says:

      Hey Darinka – thanks for your interest in our student loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

  115. DMK says:

    Hi. I am an International Student trying to get loans for a school I’m attending in the spring. I have a U.S. Co-signor, but I do not have good credit. What are the chances that I will be approved/denied despite having the co-signor?

  116. Sarah says:

    Greetings,
    I am an international student and I am getting my undergraduate degree in houston. I want to apply to Dental School in the states but I am worrying about costs and how to go about financing Dental school because most schools dont have funding or financial aid for international students. Help! I have an aunt who is canadian but lives and works in florida. Could she help in this process. Also I have a boyfriend of 3 years also. Any feedback would be great.

    • Dana says:

      Hi Sarah – for a private student loan, most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your school’s Financial Aid Office to see what recommendations they’d have for someone in your situation.

  117. Roberto says:

    Hello.I am from Mexico and I am interested in studying my bachelor degree in USA, especifically in PA. However, I do not have the economical resources to pay the tuition and for that reason I am looking for a loan.

    Can you recommend me something to do? I have a US citizen who will be my co signer.

    Thank you

  118. Oscar Hernandez says:

    Hello, I have browsed through this blog looking for anything that might help my situations. I am an undocumented student and I am going to college right now. My parents helped me pay for my first semester but are unable to continue paying. I am looking for scholarships, but I am wondering if I could get a student loan. I saw on the posts what I need to be, but I was wondering if the rules would be more lenient due to President Obama’s Deferred Action. I am currently in the process of attaining it myself. Once I attain this, would I be able to apply for a student loan (I will have a U.S. citizen cosigner)

    • Dana says:

      Hi Oscar – Thanks for your interest in our student loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

  119. Mc Owais M says:

    I am a student in pakistan.Can i get a loan for further study?????????

    • Dana says:

      Hi – Thanks for your interest in our student loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

  120. Daria says:

    I’m an international student with a cosigner who’s looking to get a loan from wells fargo. I was wondering, do you know know what the interest rates are on the loans? Like, how much would the monthly payments be for me after graduation for the wellsfargo international student loan.

    • Dana says:

      Hi Daria – Thanks for your interest in our student loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. You can visit our site at https://www.wellsfargo.com/student/planning/ for further details. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

  121. Faraah says:

    I’ve been accepted to the University of Houston as an international student and I think I have found a cosigner willing to help me, but I also need to know approximately how much would the monthly payments (post-graduation) be for this kind of loan?

    • Dana says:

      Hey Faraah – Thanks for your interest in our student loan programs. To read more about our available options, or to apply, please visit https://www.wellsfargo.com/student/planning/. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

  122. michaelk says:

    Hello,
    I want to study at a U.S. college in California. I live outside the U.S. . I have a cosigner, who has been living in California for 10 years.
    After I get accepted to a college, can I get a loan and also use it as proof of funds to get my visa?
    Thank you.

    • Dana says:

      Hi Michael – Thanks for your interest in our student loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

  123. patricia Fuglo says:

    hello, my sisters and i are evening students in university. we are not eligible for financial aid or any scholarship because we are international students. however, we pay our tuition by working and also getting some loans. but recently, the loans companies dont want to give us any more loans because our status have change. we are triplest who are determined to graduate and have a bachelor degree in business but sometimes it looks impossible to achieve due to the financial problems we encountering. we have tried everything possible but we dont have any more options. we spend some semesters at home and others we take one or two classes which is a snail processs. we need help. if anybody know of any companies who help foreign students or arganizations that help twins or triplest in college or anything. we have applied for all the loan companies one can ever imagine but we have been denied. please help us.

    • Dana says:

      Hi Patricia – Thanks for your interest in our student loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

  124. Mary says:

    Hello, I’m an international student currently working on my bachelor degree. I’m interested in getting a loan with you guys, but when I was doing the application I read that the process requires a credit check. Now I’m kind of concerned because if the credit check is for me, I know I won’t get approved, because I have no history at all, since I don’t have credit cards, or any type of service under my name. And I haven’t get approved in the past because of the same reason. Now if the credit score is for my co-signer, I’ll think that would be better, since I know that this person has a good credit history. Can you clarify this to me please?

    • Dana says:

      Hey Mary- thanks for your interest in our student loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. Credit score is one factor that goes into it, but it is not the only one. Can you please contact us at 1-800-658-3567or shoot us an email at http://www.wellsfargo.com/student and click “Contact Us”. From there, we can further discuss our loan application process.

  125. Okpu clinton chiazor says:

    I gained admission early this year into montana state university bozeman but i could not resume because i lost my sponsor.i am a nigerian and currently am in nigeria and i intend getting an international to fund my education in the u.s. I have been asked by my admission officer to present a new financial statement since i lost my sponsor and right now i intend presenting this loan as an evidence financial statement i do have a cosigner but i want to ask how can i get this loan?

    • Dana says:

      Hey Okpu Clinton Chiazor – Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. However, I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

  126. Mann says:

    Hi,
    I am looking for a No Cosigner Loan for International Student for a Part Time MBA program in Top 10 University. I have secured the admission. I am working and can start paying the Payments as soon as i get the loan. Since i am employed is it possible to get a loan from Wellsfargo.
    Regrds
    Mann

    • Dana says:

      Hello Mann – thanks for your interest in our student loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

  127. ADM says:

    Wow, I am really impressed that Wells Fargo and Barbara/Dana are committing the time and energy to keep this thread alive. It’s a nice service to the community of interested students.

  128. Callum says:

    Hi there.
    I’m wondering how to go about getting into school (financial side) here in the states. I’m British, came here on the visa waiver program (esta) but got married to a us citizen. We are filing for the petition for an alien relative and then the follow up document, the registration of myself. Do I even qualify for federal assistance or would I have to apply for a bank loan? As it stands, I don’t have a social security number but once the above said documents have been filed I am eligible for one.
    Kind regards,
    Callum

    • Dana says:

      Hey Callum – thanks for your interest in our student loan programs. For private student loans most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. To understand all of your education financing options I’d check with your school’s Financial Aid Office to see what recommendations they’d have for someone in your situation.

  129. Dina says:

    Hi Dana,
    I’m an international student with an F-1 visa. However, both of my parents are legal residences. My dad has recently gained his citizenship and my mother has a green card. All of my family members have lived in the States for over 10 years. My parents have a firm business here as well.
    I have recently gotten accepted to a Pharmacy school starting in August. I am trying to search for loans or scholarship. As of my understanding, I am considered an international student. However, since FAFSA is a tax report of my parent’s income, is there a way to maybe try applying for it? I do have a SSN, since I used to live in the States as a legal resident (E-2). However, I did change my visa into F-1.
    Please give me a good word of advice on what I should do!
    Thanks,
    Dina

    • Dana says:

      Hello Dina- Congratulations on your acceptance into Pharmacy school. We recommend that you contact your school’s Financial Aid Office concerning your application for FAFSA. They will be able to give you further direction.

  130. Nipuna says:

    Hi,

    I want to know whether student who have University employment (Teaching or research assistantship)can barrow a relatively small ($2000) loan for much shorter time period(1-2 yr) without a cosigner.Thaks

    Nipuna

  131. Siobhan says:

    Hello, I am a 24 year-old student (and American citizen) who was just recently accepted to a school in Canada for the 2013-2014 year. I don’t have much credit or savings. How could I go about getting a private loan to go to school in another country? Would this be impossible? Thanks.

  132. DHFRC says:

    I am an international student applying for a student loan in the US. WF has advised that in addition to co-signer, which I have, I will need SSN or Tax ID# which I do not know how to get. Can you advise?

  133. vivek says:

    Thanks for your great information, the contents are quite interesting.I will be waiting for your next post.

  134. Dina says:

    Hello, I’m a foreign student. I’m going to graduate my school this year in Ukraine and I want to enter the university in USA. I’ve never been in USA before but I really want to study there. Can I apply for a student loan?

    Thank you

    • Dana says:

      Hey Dina- thanks for your interest in our student loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with the Financial Aid Offices of the schools you are considering to see what recommendations they’d have for someone in your situation. That way, you can understand all of your education financing options and make the best choice for you.

  135. Alexandra says:

    Hello, I’m from Russia, and this summer 2013 I got accepted to American Musical and Dramatic Academy in Los Angeles. But to study there I need to get a loan. Can I get in while I’m not even a resident and don’t have a visa!? Because to apply for a visa I need to give them official information how I’m gonna pay for education. If I can do that, do you know who exactly offers this option!?

    Thank you so much!

    I’m looking forward to your answer.

    Best,
    Alexandra

    • Dana says:

      Hey Alexandra- thanks for your interest in our student loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. To understand all of your education financing options I’d check with your school’s Financial Aid Office to see what recommendations they’d have for someone in your situation.

  136. Mishal says:

    Hi Dana,

    I am an international student and have recently been admitted into a PhD program in the states and need to take out a student loan to cover some of the deficit living expenses. I have a cosigner but he is currently in medical school himself, although he has hood credit history and by the time he graduates he will be earning a doctors salary. Is he a bad option for a cosigner? Does the fact that he is not earning significantly reduce our chances of approval?

    • Dana says:

      Hey Mishal-Thanks for your interest in our student loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. We recommend that you contact our office and speak to one of our loan specialists at 1-877-566-6733. From there, we would be able to better assist you with this question and explain what options maybe available to you.

  137. Nick says:

    Hi,

    I am currently a student athlete and am finishing up my degree this year. I have been blessed by earning full scholarships but due to a transfer for my senior year i have a 12 credit internship that is required to be completed which I must pay for myself. I have applied for a degree completion award which I am told I am not eligible for as I am doing my internship this summer. Is there a loan oppurtunity anywhere? Or any type of scholarship I may be able to apply for that would help me just to get over the finish line of my degree? I am reading a lot in regards to having someone co-sign a loan but what if the only person that could co-sign a loan already has numerous loans to their name? Hope this is enough information.

    • Dana says:

      Hey Nick – best of luck to you as you finish your senior year of college. Our free online tools can help you find a loan to meet your needs, based on your grade level and the school you’re attending. To learn more about the private education financing options available to you, please visit our website at wellsfargo.com/student. Here are some tips to find scholarships:
      - Search for free scholarship locator sites that will help you create a personalized profile and locate scholarships.
      - Visit your college resource center to research any local or school-specific scholarships.
      - Check out scholarship reference books in a library or bookstore; make sure you locate the most current edition.
      - Be community-minded: check with social, civic, or religious organizations that may offer scholarships

  138. kevin says:

    hi my name is kevin & i’m here under obama’s dream act. I have a couple thousand to help me get started for college but it’s no where near the amount of money i will need for tuition and room and board. Would i be able to get any student loans, federal loans, grants? Any type of aid from the government? Just the best way to go about this situation. They say i’m charged as an international student although I am a resident of new jersey. So ramapo college’s tuition would be roughly around 27k. What’s the best way to go about this? Are there any benefits I could possibly receive being here under the dream act?

    • Dana says:

      Hello Kevin – Thanks for your interest in our student loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation. You may also contact our office to further discuss what loan programs maybe available to you, based on the school that you are attending.

  139. Nikolas says:

    Dear Dana,

    Recently I have been accepted to one of the US state universities. I don’t have US residency of any kind, however I do have family in New Jersey – my grandma and uncle who have been legal US citizens for the past 20 years. Ok, so my question is, whether it is possible for me to obtain any student loan? And if yes, how much would it be? My grandma is able to provide me 10k/year but I still need 7k. (I’ve received financial aid from this school nonetheless there’s still 7k I need to cover somehow).

    I’m desperately seeking any possibilities.

    Best,
    Nikolas

    • Dana says:

      Hey Nikolas – Thanks for your interest in our student loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

  140. karthik says:

    Hi Dana,

    The blog has been great.Iam on a H1 visa and I need to apply loan for my wife who would be on a H4 visa.Is there a way I can apply for a student loan with me being a cosignee.

    Thanks

    Karthik

    • Dana says:

      Hey Karthik – Thanks for your interest in our loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

  141. Anonymous says:

    Hello,

    I am interested in applying for an international student loan and have a US co-signer with a stable credit history who is willing to support me with the loan application.

    I recently wrote to Wells Fargo and got this response.

    After applying, international students must be able to provide provide a
    photocopy of the front of one of the documents listed below to validate
    their residency status. The photocopies of the documents must show the
    expiration date. Wells Fargo will not accept expired documents as proof
    of residency.

    - Resident Alien Identification Card
    - Form I-94
    - Form I-20, if applicant entered the U.S. using a student visa

    Temporary resident aliens who apply for a student loan may use their
    nine-digit Federal Tax Identification number in place of a Social
    Security number on the loan application

    Do I need to apply for a student visa to provide any of the documents asked? If so, don’t I need to provide proof of sufficient funds to apply for a student visa in the first place? This is largely possible through a loan approval in my case. I do have a merit scholarship from the school I gained admission from but this does not cover the entire cost of the attendance.

    How can I get a nine-digit Federal Tax Identification number? Do I get this after I apply for a student visa?

    Thanks for answering my questions.

    Azania

  142. Tasha says:

    Good day, I’m an international student who is interested in applying for a loan to finish my nursing degree, I have all of the necessary information and a cosigner (with good credit and a stale income) needed. My question is however, how great is my possibility of getting approved for the loan? would it be safe for me to assume that once all necessary requirements are met that approval is guaranteed?
    Patiently awaiting your response.

    • Dana says:

      Hey Tasha – thanks for your interest in our student loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. Can you please contact us at 1-800-658-3567or shoot us an email at http://www.wellsfargo.com/student and click “Contact Us”. From there, we can further discuss our loan programs and application process with you.

  143. MAC says:

    Dear WF Bloggers,

    I am currently attending college in the US under an F1 visa. As I’m almost done with my senior year, I’ve been looking at possibility for graduate degrees and have found an online degree at Full Sail university that really hits the mark on what I want to do. Is there any possibility to get a loan for a online degree from Wells Fargo? I do have a U.S. Co-signer and a work-only Social Security number if that helps the process!

    I’ve also heard that some people take out personal loans which, even though they don’t have the same benefits as student loans, do lessen the blow. Is that a possibility in my case?

    I hope you can answer my question!

    Love,

    MAC

    • Dana says:

      Hello MAC – thanks for your interest in our student loan programs. As you probably know, most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. Can you please contact us at 1-800-658-3567or shoot us an email at http://www.wellsfargo.com/student and click “Contact Us”. From there, we can further discuss our loan programs and application process with you.

  144. Mike says:

    Dear Mac,

    Yes, as long as you have a US citizen co-signer, you will be able to acquire private loan funding for college. I would recommend shopping around a bit more as I know there are some other companies out there that may be more favorable in rates like SunTrust Custom Choice Loan and CU Scholar Student Loans, CU Student Choice Loan, and even Sallie Mae.

  145. Mafer says:

    Dear Barbara,

    I have been accepted at MIU in Florida and I need an International Student Loan. My sister as well as my brother-in-law are residents and they have accepted to support me as co-signers. Would Wells Fargo or any other Bank provide me an International Student Loan if I have them as co-signers? And if you know, how much is the most one may get at a loan? My program is 90K for the 3 years, and could be less as I have taken classes at community college already. Thank you in advance.

    Sincerely,

    Mafer

    • Dana says:

      Hey Mafer – thanks for your interest in our student loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. Can you please contact us at 1-800-658-3567or shoot us an email at http://www.wellsfargo.com/student and click “Contact Us”. From there, we can further discuss our loan programs and application process with you.

  146. Brenda Pacheco says:

    Hi, i am from Mexico and all i need is a loan in order to study animation in the US.
    Still, i cannot find a private loan available, could you be as kind as to recommend a lender please? i’d really appreciate it

    • Dana says:

      Hey Brenda – Thanks for your interest in our student loan programs ! However, most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. Can you please contact us at 1-800-658-3567or shoot us an email at http://www.wellsfargo.com/student and click “Contact Us”. From there, we can further discuss our loan programs and application process with you.

  147. ViViana says:

    I was wondering if you guys can give me an advice/suggestion about my situation.

    I just graduate high school and admitted college I wanted to. However, my family and I are undocumented and don’t have SSN. I was looking for a private students loans and my school said that Wells Fargo have record that they allowed undocumented student loans with U.S. citizen co-signer. so i contact a specialist and she said that they need SSN and i can get from my college for private loans, is it possible to get SSN from college? also are there any other bank or place that provide loans for undocumented students?

  148. Rahul says:

    I am trying to get a international student loan. i am already in US. I read above that i can get a tax i.d number from the school on a F-1 student Visa… i called the school and asked them that and i was told that only ITIN can do that. How can i get a SS or tax I.D??

    • studentloandown says:

      Rahul- You may try contacting the Social Security Administration at http://www.ssa.gov/ssnumber/ss5.htm or contact your local social security office for your questions on obtaining a social security card. Many lenders require that the student be a permanent or temporary resident alien with a U.S. citizen as a cosigner. I’d check back with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

  149. Rafiq Doun-Naah says:

    Hi Barbara,

    I am an international student from Ghana pursuing an MBA in Information Systems and Technology at Cal State, San Bernardino. I have successfully completed 20 units with a GPA of 3.5+.

    I am however facing severe financial hardship that prompted me to google “MBA loans without US co-signer”…huuh, seems no luck. I talked to a friend who initially agreed to cosign a loan for me, so I applied to the Wellsfargo graduate student loan as I am a customer. When I informed him after the application, he told me he has another financial responsibility and so he can not honor his promise.

    I need just $15,000 to complete the program but I do not have a co-signer. What are my options?

    • studentloandown says:

      Hi Rafiq- Congratulations on your high GPA score! This is an achievement to be proud of! For a student loan, most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your school’s Financial Aid Office to see what recommendations they’d have for someone in your situation.

  150. abhi says:

    hi,

    im a student from india and want to do my higher studies in US but for that i need student loan since im from india i dont have ssn and to applying for loan i need ssn, so i want to ask that is there any way i can get loan without ssn.

    • studentloandown says:

      Hey Abhi – thanks for your interest in our student loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. citizen cosigner. Or you can contact us at 1-800-658-3567 for more information.

  151. Merwin says:

    HI

    I have been admitted to Thunderbird school of global management, Arizona. I am keen on applying for a Loan in the US and I do have a co-signor who is a US citizen. I need to understand the procedure of going forward with applying for this loan and also whether I should apply immediately or wait till I get my visa.And since I start in January and am looking to travel in last week of December do you think I will have enough time to get everything done?

    • studentloandown says:

      Hey Merwin – Thanks for your interest in our student loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. Can you please contact us at 1-800-658-3567 or shoot us an email at http://www.wellsfargo.com/student and click “Contact Us”. From there, we can further discuss this loan program and application process with you.

  152. christina says:

    hi
    i am an international student looking for loans to help pay my tuition and i have a cosigner. i was trying to apply to one of the wells fargo loans but they are asking me for my ssn and i do not have one. does this means that i am not eligible for a wells fargo loan?

    • studentloandown says:

      Hey Christina – you can enter your Individual Taxpayer Identification Number (ITIN) in the application where it asks for your SSN. If you are a resident alien, you should have one or will be able to apply for one with the IRS.

  153. Pramod Boggavaram says:

    Hello Barbara,

    Greetings,

    I am working in US on L-1B visa and my son is studying in Grade 12 in US. We are in US for about 3 years and I am filing taxes. My son does not have SSN but has ITIN. I’ve an SSN and do have a consigner in US..

    Are qualified to apply for international student loans. ?

    Please advise.

    Thanks,
    Pramod

    • studentloandown says:

      Hi Pramod, for a student loan, most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. I’d check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

  154. ryan says:

    hello, I would like to do a commercial diving programme in the U.S and was wondering if you could recommend organisations / banks which would provide loans or grants for the above mentioned practical study.
    Sincerely
    R

    • studentloandown says:

      Ryan-I would recommend contacting your school’s Financial Aid Office first for scholarships, Pell Grants or work study programs that may be available. Private student loans are another option to cover tuition or college-related expenses. We offer competitive fixed or variable interest rate options. To learn more about this option, please visit our website at http://www.wellsfargo.com/student or call us at 1-800-658-3567.

  155. mujang louis abe says:

    I am a pharmacy student from the Catholic university of Cameroon, i want to be granted a student loan to study in USA so as to widen my scope of reasoning and understanding.To add if i can gain this opportunity then i will be very happy, also i am applying for this loan because of my financial status. Thanks for your understanding.

    • studentloandown says:

      Hi, would you please contact us at 1-800-658-3567 so we can better understand your situation? From there we will be able to see what options are available for you.

  156. akwang2007@yahoo.com says:

    Hi,
    I am an international student from Nigeria.
    I need a loan to read medicine at all saints
    university,saint vincent.I already have the
    admission.Please help me because i am suppose
    to start in January 2014.Thanks.

    • studentloandown says:

      Hello! Thanks for your interest in our loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. Please feel free to contact us at 1-800-658-3567 to discuss your options, or you can check with your school’s financial aid office to see what recommendations they’d have for someone in your situation.

  157. Akshay Tilak says:

    Hello,

    I am an Indian studying planning to do an MBA in USA. I do have a co-signer to co-sign my loan but he is now retired. Is it mandatory that the co-signer must be working? My co-signer does have assets on his name. Awaiting your reply

    • studentloandown says:

      Hello Akshay! Thanks for your interest in our loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. It is not mandatory that a co-signer be working. Would you please contact us at 1-800-658-3567 so we can further discuss what may be an option for you and discuss the application process?

  158. jessica says:

    hi i’m an international student not living or ever been to the us. I am applying to a university in the US, but i need a loan. i have a co-signer but i don’t have a ssn. Will i be eligible for a loan?

    • studentloandown says:

      Hello Jessica- Thanks for your interest in our loan programs. Most lenders require that the student be a permanent or temporary resident alien with a U.S. cosigner. Would you please contact us at 1-800-658-3567 so we can further discuss what may be an option for you and discuss the application process?

  159. Fagad says:

    hey,
    Currently i am an F-1 student visa holder, i am going to a community college right now which i can afford but i wanna know if there is anyway i can either get a student loan or FAFSA to support my last 2 years of college (4 year college) i do not have a US cosigner.

  160. ben says:

    Hello:

    I am an international student. I have a Bachelor of Arts in English, wanting to pursue my Masters in English. If I have a F1 VISA and if I have secured a loan thru your organization; what are my options to pay back the loan since I am required to leave the United States within 60 days upon degree completion?

    Thank you in advance for answering this question. I look forward to hearing from you in the near future.

    Sincerely,
    Daghigh

  161. Jordon says:

    Hello how are you guys doing ?

    I am in a very tricky situation that is quite unique. I was born in Canada and moved to the United States when I was 8 and attended school here ever since. Just last year I got a SSN, work permit and Driver’s License due to the Deferred Action Law that Obama passed last year. I am not able to get any federal money though or any grants. I attended community college for my freshman year and I recently got accepted to St.Johns University and recieved a 10,000 scholarship. I need help to pay the rest which is about 26,000 but I was wondering if I have a U.S co-signer could I be able to get a loan to pay the rest ? And if so does anybody know where is best option ?

  162. Tracy says:

    Hi, I’m a 4th year med international student on a full tuition scholarship. I’m interested in acquiring a small loan for some exam and living expenses in my final months of med school. I found my school on your list of universities, I have US co signers however my I-94 has expired, will I be denied?

  163. Dannawi says:

    Im an international student studying in US and looking for a loan from banks. It seems easy except the “cosigner” part. What does the co-signer have to do exactly with the loan? Other than looking into his credit score to determine the interest rat, does he put up a guarantee (such as his house)? Can the cosigner be anyone not related to my family(friends, friend’s family member…)? In addition, i don’t want my cosigner to pay the monthly bill to cover up the loan, i want my folks to do that, so is that possible too?

    Thank you very much

  164. Pallavi says:

    Sir,
    Is there any government who lends 80% of educational loan to international students?

    • Dana Fulton Dana Fulton says:

      Hi Pallavi, I cannot speak for all governments, but in the U.S., most universities require international students to prove that they can pay for their studies in full before they grant a student visa. For a student to be eligible for a federal student loan from the US government, the student has to be a U.S. citizen or an eligible non-citizen. For more information you can visit https://studentaid.ed.gov/eligibility/non-us-citizens

  165. Erwin Perez says:

    Hello, with a J2 visa, may I apply? I have a cosigner and I’m already at the university.

    Thank you

  166. Johana says:

    Hello!
    I am starting my first year at the University of Florida. I am not a US resident or citizen, however I am under daca, have a ssn, work permit, and passport. I am going to need a student loan, since I am not eligible through federal aid. Is it possible that I can receive a loan with a cosigner? I called but the two people I talked to didnt know how to respond to this, thank you!

  167. Daniel says:

    Hello! I had an admission at the Atlantic University of Florida. I am not a US citizen or resident, however i am under the darkest part of my life, i need a student loan. Since I am not eligible through federal aid. is it possible for me to receive a loan with a cosigner? i will of great if I will be favorable considered and approve. Thank you.

  168. A. says:

    Please help. I am a US citizen who has been living abroad for 15 years. I recently completed my master’s using funds borrowed through FAFSA.
    I am ready to pay back, but have learned that the lender does not accept funds from a foreign bank. Any suggestions on how to resolve this issue? Also is this something that should have been disclosed to me prior to lending me the funds? I am so afraid that this one issue will make me go into default so any suggestions you give will be much appreciated.

    Thanks,
    A.

  169. Manjiri says:

    Hi there
    I am international student on F1 Visa.
    I need an education loan and have co-signer who has green card.
    In past i have worked in US so have ssn and have good credit standing.
    Is is possible for me to secure education loan??
    If yes can you suggest some banks or institution in which i can apply.

    Thanks
    Manjiri Sawant

  170. Tina says:

    Hi,
    I am planning to apply to US universities. Currently I am on H4 visa. I don’t have a co-signer who is a US citizen.My husband is on H1 visa.
    1.Could you please suggest what are the loan options which I can look forward to?
    2. My husband has 3 years work visa currently. What is the maximum loan period available in our situation.

    Thanks,
    Tina

The Student LoanDown

Leave a comment

Your email address will not be published.

Your questions and comments really matter to us! We're glad you want to join the conversation and connect with other readers. All we ask is that you keep some simple guidelines in mind:

  • Stay on-topic. Only comments that are related to the subject of the blog entry will be posted.
  • Be respectful. It's okay if you disagree with a post or comment, but please, no personal attacks or offensive language.
  • Maintain your privacy and confidentiality.Please do not provide any of your specific account details or other personal information! If you have immediate service needs, please contact your bank representative or Customer Service.
  • Wells Fargo team members: In the interest of full disclosure, if you are a current employee of or are associated with Wells Fargo, please make note of your affiliation.