What are private or alternative loans for international students?
Private, or alternative, loans are made by US banks and other organizations to international students who meet certain criteria. In almost all cases these loans require a US citizen co-signer. A co-signer is someone who guarantees and is responsible for payment to the loaning institution if for any reason the student is unable to pay back the loan.
Private or alternative loans are based on credit history and only the lender has discretion on approval of the loan. Most alternative loan programs have similar requirements and limits, mainly differing in guarantee and other fees and repayment options.
A co-signer must be a US citizen or eligible non-citizen and must satisfy the lender's minimum credit criteria.
Financial Aid for Undergraduate International Students
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