University and course matter most
Unsecured lenders look closely at your university's standing and whether the program is STEM — this drives the amount and the rate.
Education loan · USA
Education Loan for USA: Compare lenders, get sanctioned faster
Studying in the USA typically costs ₹40–90 lakh for a 2-year MS. We compare secured, collateral-free and international lenders for your university and course, prepare your documents and get a sanction letter ready for your visa.
- Collateral-free options for STEM
- Sanction letter for I-20 & F-1
- USD & INR lenders compared
- Covers tuition + living
Check your USA loan eligibility
Reply on WhatsApp with your checklist and next steps
Multiple lenders, one application
Banks, NBFCs and international lenders compared side by side.
Collateral-free options
Unsecured loans where your university and course qualify.
Visa-ready sanction
Your I-20 lists the first-year cost; a loan sanction letter is commonly used to show these funds at the F-1 interview.
Parent-friendly guidance
Clear explanation of EMIs, moratorium, margin money and fees.
Talk to an expert
Book a consultation call
Get a senior counsellor's advice on your exact case before you decide.
Quick Expert Call
One focused question, answered fast
₹355 15 min call
- Call-back within 30 minutes (working hours)
- 15-minute call with a senior counsellor
- One topic: admission, loan, visa or funds
- Checklist and next steps on WhatsApp
Recommended
Profile & Shortlist Consultation
Know exactly where you stand
₹755 30 min call
- 30-minute call with a senior counsellor
- Profile evaluation and admit chances
- Country and 5–8 university options
- Cost and education loan estimate
- Written summary on WhatsApp
Premium Strategy Session
Your complete study abroad plan, with parents
₹1,155 45–60 min call
- 45–60 minutes with a senior counsellor
- Parents welcome on the call
- Full university shortlist with costs
- Loan, visa and application timeline
- Written study abroad plan
- 7 days of WhatsApp follow-up questions
Consultation fee is adjusted against any paid service or package you take within 30 days.
How it works
Simple, step-by-step process
- 01
Eligibility check
Share your admit, course, loan need and co-applicant details — takes 2 minutes.
- 02
Lender match
We shortlist 2–3 lenders that fit your university, course and collateral.
- 03
Documents & application
One checklist; we prepare and submit to the lenders for you.
- 04
Sanction letter
Sanction timed for your I-20, CAS, GIC or visa proof of funds.
- 05
Disbursal
Fees paid to the university; living costs released as per schedule.
Details
Cost and loan snapshot: USA
Indicative figures for 2026–27; exchange rates and fees change.
| Item | Approximate amount |
|---|---|
| Tuition (2-year MS) | ≈ ₹25–60 lakh |
| Living costs (2 years) | ≈ ₹20–40 lakh |
| Typical loan amount | ₹30–80 lakh |
| Proof of funds | First-year cost shown on your I-20 |
Documents
Documents lenders usually ask for
- Admission / offer letter and fee structure
- Student and co-applicant PAN, Aadhaar, passport
- Class 10, 12 and degree marksheets; test scores
- Co-applicant income: salary slips + Form 16, or ITRs for 2–3 years
- Bank statements for the last 6 months
- Collateral papers (only for secured loans)
Good to know
What to know about loans for USA
Get the sanction before your I-20
Many universities ask for proof of funds before issuing the I-20; a sanction letter speeds this up.
Plan for year two
Visa officers can ask how you'll fund the second year — a loan sanctioned for the full program answers this cleanly.
FAQs
Frequently asked questions
It depends on your university, course, co-applicant and collateral. Collateral-free loans for STEM programs at well-ranked universities often cover most of the cost; secured loans can cover the full amount.
Yes. A sanction letter from a recognised lender is widely used as proof of funds at the F-1 interview, together with other financial documents.
Some international lenders lend to students at selected US universities without an Indian co-signer or collateral, usually in US dollars.
Share your details through the eligibility form, or book a consultation call for a detailed loan plan. We confirm the scope and any fee in writing before we begin.
Unsecured loans can be sanctioned in days when documents are complete; secured loans take longer because of property checks.
Interest on an education loan is deductible under Section 80E for up to 8 years from when repayment starts.
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Talk to an expert
Get your USA education loan sorted
Share a few details and our team will reply with a checklist, timeline and fixed fee — before you commit.
Mon–Sat, 9 AM–6 PM IST