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Study in United States
Education loan rates for United States
Secured and unsecured loan options from our lending partners for Indian students heading to United States. Verified rates as of 2025–26.
11+Lending Partners
10.50%Secured from
10.85%Unsecured from
With Collateral
Secured loans for United States
These loans require property or FD as collateral but offer the lowest interest rates. Margin money is the portion of the cost you must pay yourself.
| Lender | Max Loan Amount | Rate of Interest | Margin Money |
|---|---|---|---|
| SBI | Up to ₹1.5 Cr | 10.65% (girls) / 11.50% (boys) | 10% |
| Union Bank of India | Up to ₹1.5 Cr | 10.5% - 10.85% | 10% (listed) / 15% (non-listed) |
Without Collateral
Unsecured loans for United States
No property needed — approval is based on your academic profile and co-applicant income. Faster processing but slightly higher rates.
| Lender | Max Loan Amount | Rate of Interest | Margin Money |
|---|---|---|---|
| Axis Bank | Up to ₹50 Lakh | 11% - 13.50% | 5% |
| ICICI Bank | Up to ₹50 Lakh | 10.85% - 12.50% | 0 - 15% |
| IDFC First Bank | Up to ₹35 Lakh | 11.50% - 12.25% | Nil |
| Credila | Up to ₹65 Lakh | 11.25% - 13% | Nil |
| Auxilo | Up to ₹65 Lakh | 11.25% - 13% | Nil |
| Incred | Up to ₹60 Lakh | 12.25% - 14% | Nil |
| Avanse | Up to ₹75 Lakh | 12.50% - 13.50% | Nil |
| MPOWER Finance | Up to USD 1,00,000 | 12.99% (graduate) / 13.99% (undergraduate) | Nil |
| Prodigy Finance | Up to USD 1,00,000 | 12% - 14% | Nil |
Rates shown are indicative as of 2025–26 and subject to change. Actual rate depends on your profile, university, and lender assessment. Confirm with the lender or our counsellors before applying.
Planning to study in United States?
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Check My Eligibility Estimate My EMIVisa Guide
F-1 Student Visa
- 1Apply to SEVIS (Student and Exchange Visitor Information System) — pay SEVIS fee (~$350)
- 2Fill DS-160 form online (biographic information, travel history, study plans)
- 3Schedule US consulate interview in your city (Delhi, Mumbai, Chennai, Hyderabad, Kolkata)
- 4Prepare financial documents — loan sanction letter, bank statements, ITR
- 5Attend consulate interview — typical questions about your programme, university, and career plans
- 6If approved, collect visa and enter the US no more than 30 days before classes begin
Loan + Visa together: Your loan sanction letter is a key financial document for the visa application. We coordinate both processes so you're not chasing two things at once. Learn about our visa support →
Top Universities
Where our students go
MITStanford UniversityHarvard UniversityCarnegie Mellon UniversityUniversity of California, BerkeleyGeorgia Institute of TechnologyUniversity of Michigan
Average tuition: $30,000–$70,000/year. Living costs: $18,000–$30,000/year depending on city.
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