International Student Loans

International Student Loans

6 min read


Private Student Loans

Private student loans are loans issued directly between students and lenders. There are two types of private student loans: federal government guaranteed (FGU) loan programs and non-federal student loans. A federal student loan program is offered by the U.S. Department of Education’s Federal Family Education Loan Program (FFELP). These loans are backed by the federal government and therefore have fixed interest rates and long repayment terms. Non-federal student loans are not eligible for subsidy or protection under any federal program. Therefore, they carry higher interest rates than their federal counterparts.

Public Student Loans

Public student loans are federal government-issued student loans that are offered to borrowers after completing their undergraduate studies. Loans may be subsidized or unsubsidized. Subsidized loans are subject to income limits based on the borrower’s family size and geographic location. Unsubsidized loans are not subject to income limits. Both subsidized and unsubsidized loans are offered at varying interest rates and terms. Undergraduate public loans are repaid over either 10 years or 20 years. Graduate education loans are also available.

Scholarships & Grants

Scholarship money is given out for academic excellence and achievement. Scholarships are awarded based on many factors including GPA, SAT/ACT scores, test scores, financial need, extracurricular activities, community service, high school record, etc. Grants are provided by governments and organizations to assist people who are in need financially.

Student Employment

Student employment refers to paid work performed while enrolled in college. Students may be employed while attending school full time or part time. Job responsibilities vary depending on the type of position held. Most employers require applicants to meet certain skills criteria and provide proof of qualifications before hiring them. Students should research local job opportunities prior to applying for jobs. Some schools offer assistance in finding employment opportunities.

Student Debt Consolidation

A student debt consolidation loan involves making payments towards several debts into one larger loan at a lower interest rate. This helps reduce monthly payments and get rid of interest charges altogether. However, consolidating student loans does not affect payment amounts or accrue additional fees. In some cases, consolidation programs may be free or low cost for qualified borrowers. Borrowers are encouraged to thoroughly study any loan offers carefully.

International Student Loans

“The U.S. Department of Education offers loans specifically designed for international students.

You can apply online, get a good rate, and have funds deposited directly into your account.

We’ve listed some of our favorites below.”

StudentLoans EducationTODAY

Music credit:

Song: Trey Songz (featuring Ty Dolla Sign) – Motivation Music provided by NoCopyrightSounds.

International Student Loans

What are International Student Loans?

An international student loan is a type of loan given out by private institutions such as banks and credit unions to foreign students who study abroad. These loans are designed to help fund your education expenses while studying at a university overseas. The average cost of higher education in the United States is over $20,000 per year.

How much money do I need to start paying off my loan?

The amount of the loan you should pay back will depend on how long you plan to go to school and where you decide to attend. If you’re planning to attend college for 4 years, the minimum payment would be around $50 per month. However, if you want to attend graduate school, then you should expect to make payments between $200-$300 each month depending on what kind of program you’re enrolled in. After attending college for 6-8 years, most lenders give borrowers the opportunity to consolidate their loans to save money on interest rates.

When does the grace period begin?

Most lenders have a grace period of three months after graduation before they start charging you interest on your loan. But if you fail to repay a portion of your loan, you may incur extra fees.

Is it possible to get a free student loan?

Yes! There are many scholarships specifically meant for international students. You should always check with the lender first though since some offer different terms than others.

Do I qualify for federal student aid?

If you meet certain qualifications, you could apply for financial assistance available through the government (the U.S. Department of Education). These funds are called FAFSA (Free Application for Federal Student Aid) grants. An application is required to receive these types of grants, but it doesn’t hurt to apply sooner rather than later since the amount you’ll receive increases with time.

International Student Loans

What is student loans?

Student loan debt is the amount of money owed by students after graduating college. Many Americans have student loan debts, but not everyone who graduates becomes a borrower. Students may borrow money from federal, state, local, private (including banks), and/or non-profit organizations. Federal student loans are guaranteed by the U.S. government; however, private student loans are not.

Some students choose to take out private student loans instead of taking out federal student loans. Private loans often offer lower interest rates than federal loans. There are many types of loans, including subsidized, unsubsidized, Direct Consolidation, Unsubsidized Direct Consolidation, Graduate Plus, Perkins, PLUS, Parent PLUS, Subsidized Stafford, Direct Stafford, Grad PLUS, PLUS PLUS, Grad PLUS PLUS, TEACH Grant, and Non-Repayment Option. All types of federal student loans require income based repayment plans, with fixed monthly payments for a period of between 10 and 30 years. However, some types of loans allow you to pay off your loans over a longer period of time while others do not.

Is student borrowing good or bad?

When borrowers cannot afford their tuition costs, they sometimes turn to private student loans to cover the cost. However, borrowers should consider whether or not private student loans are necessary before signing any agreements. Borrowers may need to look at alternative solutions, such as grants, scholarships, savings or employment. If borrowers are able to find these alternatives, then it would be best to avoid private student loans.

How do I know if I qualify for a student loan?

Students generally need to meet certain requirements in order to qualify for a student loan. These qualifications vary depending on the type of loan being considered. For example, federal direct loans require applicants to have a high school diploma or GED; whereas, graduate plus loans only require borrowers to have completed two years of study. Before applying for a student loan, students should research what kind of loan they need, how much they need, and what qualifications they need in order to qualify for their specific loan program.

Should I consolidate my loans?

If your financial situation changes and you no longer need to borrow as much money, you may want to consider consolidating your federal loans. In order to consolidate your federal student loans, you will first need to file for bankruptcy under Chapter 7 or Chapter 13. After filing for bankruptcy, you will have to apply for consolidation and submit proof of your bankruptcy. Once your application is approved, lenders may agree to reduce your monthly payments and change your payment plan to a fixed schedule.

Do I need to worry about paying back my loans?

Loans carry both federal and private regulations regarding repayment. Borrowers must carefully review their contracts and understand the terms before committing to their agreement. Repayments are determined by the length of time you borrowed the money, the amount of money borrowed, and the interest rate. Your lender could increase your payments after you reach certain milestones, such as completing your degree, obtaining a job, or remaining in default for a particular amount of time.

Can I get rid of my student loans?

Student loans can be discharged in bankruptcy proceedings. The bankruptcy judge decides whether or not your loan qualifies as a dischargeable debt. The following is a list of eligible loans that can be included in your bankruptcy case:

Federal family education loans

Direct loans

Stafford loans

Graduate plus loans

Parent plus loans

Subsidized Stafford loan

Unsubsidized Stafford loan

Perkins loans

Private loans

International Student Loans


To provide students with information about international student loans and provide them access to help finding and applying for the best loan option based on their individual circumstances.

Target audience

Students who have applied for financial aid at UVM and are considering applying for international student loans.


The site contains information about the different types of student loans (e.g. Stafford Loan, Perkins Loan, etc.) and how they differ. There is also information on the pros and cons of each type of loan, including interest rates and repayment plans. Students may also read reviews from previous borrowers.

Finally, there is a section for students looking to apply for these loans, where users can fill out a simple search tool to find lenders that offer loans to international students.

Evaluation indicators

How much time did it take for users to complete the entire website?

Which sections, if any, were the most useful? What was not helpful enough?

Were there any usability issues?

HEY, we’ve got more valuable information here: ►CLICK HERE LOANS FOR STUDENTS◄

►Cloud of related items ▼

Loans For Students