The International Student Loan Center

Each year over 200,000 Americans study abroad and nearly 600,000 international students come to the USA to study. However, studying abroad often requires financial assistance for extra expenses such as travel, accommodations and materials, which can make it a greater financial commitment. InternationalStudentLoan.com is here to help, by offering a range of international student loans and study abroad loans to international students and Canadian students in the USA and for US Students studying around the world.

International Student Loans are available for:

International Students	US Students
This private loan program is available for international students who are planning to study in the USA. More Information | Apply Online	Federal and private loan programs are available for US Students who are studying abroad or fully enrolled in a non-US School. More Information | Apply Online

Why get an International Student Loan?

For the most part, students struggle to fund their international education. Scholarships and grants are always available, but if you are one of the lucky ones to receive one it will still not cover all your expenses. That is where an International Student Loan will help you. Our lender partners offer n o application fees or other out-of-pocket fees and preliminary approval in as little as 15 minutes. Normally, funding is very quick, but currently processing and funding times have slowed down.

Interest rates have gone up substantially! We are also experiencing processing and funding delays due to the turmoil in the student loan marketplace. Borrow as little as you can -- make sure you exhaust all other avenues for funding first. Use scholarships, personal and family funds, and any other money you can first. Read more about the Credit Crunch and how it impacts international students.

Please take the time to visit and learn more about our international student loans, canadian student loans and us student loans. We also have a dedicated customer support center to help students with your loan application and research - please contact us with any questions.

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An Envisage International Corporation website, Copyright © 1998-2009
Your website for international student loans and study abroad loans since 1998!
Doral Bank NY FSB, an Equal Opportunity Lender is the lender for the International Student Loan

Canadian Student Loan Program

Canadian Students Studying in the USA

For Canadian students studying or planning to study in the USA, we offer the Canadian Student Loan. Students applying for the Canadian Student Loan will require a US citizen or permanent resident co-signer.

Formerly, we offered the CanHelp loan, which was available with a Canadian co-signer; however, as of April 18, 2008 the CanHelp loan has been discontinued and is no longer available. Instead of the CanHelp, Canadian students can now apply for a Canadian Student Loan for study in the USA.

Canadian students can apply for the loan program by phone, and can borrow up to the cost of attendence for their school. Canadian students are required to have a US Citizen or permanent resident as a co-signer to apply for this loan.

These loans also offer:

• Funds disbursed directly to you
• Loans are accepted at thousands of approved schools
• Competitive interest rates
• No application fees

Learn more about the Canadian Student Loan Program:

International Student Loans

In partnership with International Student Loan we are excited to offer student loan programs for US citizens studying abroad and international students studying in the USA. We offer a variety of programs based on the country you are from and where you are studying.

For more information about the particular student loan products, please see below:

Student Loans for International Students
The International Student Loan Program is available to international students from around the world, who are looking to study in the USA. You have to be attending one of the approved schools, and you must also have a US Citizen or permanent resident to cosign the loan with you. The International Student Loan offers funding that is disbursed directly to you, with competitive interest rates and no application fees!

Student Loans for Study Abroad
The Study Abroad Loan provides funding for US Citizens who are looking to participate in a study abroad programs outside of the USA. Students need to be attending an approved school in the USA and have no need to complete a FAFSA form. Funds acan be available in a little as 5 days.

Student Loan for Canadian Citizens
For Canadian students studying or planning to study in the USA, we offer the Canadian Student Loan. Students applying for the Canadian Student Loan will require a US citizen or permanent resident co-signer. Formerly, we offered the CanHelp loan, which was available with a Canadian co-signer; however, as of April 18, 2008 the CanHelp loan has been discontinued and is no longer available. Instead of the CanHelp, Canadian students can now apply for a Canadian Student Loan for study in the USA.

Student Loans for US Citizens Foreign Enrolled
The Foreign Enrolled Loan program provides US Citizens with funding for their education when they plan to enroll directly in a degree program abroad. This is a private, alternative loan that offers high loan limits to cover the cost of school abroad, with borrowing limits up to $50,000 per year for undergraduate programs and up to $70,000 per year for medical, dental, business or law school.

Consolidate Federal Student Loans

Step1
Contact Your Lender: Although as a general rule the traditional lenders are not consolidating student loans, it still doesn't hurt to try. Call your lender today and ask about low annual percentage personal loans or even low interest credit cards. With low credit card annual percentage rates (APR) you might even get a similar rate.
Step2
Federal Direct Consolidation Loans: If you google search "Federal Student Loan Consolidation" one of the first sites you will find is www.loanconsolidation.ed.gov - the federal website for federal student aid. If you select "Borrower Services" it will take you to the federal consolidation website. It takes about a month to get a response from the FSA, but it is the only agency that is currently consolidation the loans.
Step3
What if I can't get the loans consolidated?: In a few instances it may be impossible to consolidate your loans, so what can you do if you just can't afford the payments at this time. First you should contact your lender and simply tell them it is too much to repay at this time (cite your reasons). Many times they will reduce your payment or extend the life of the loan. A second option is to place the loans in forbearance, which allows you to defer payment for a set amount of time until your financial situation improves. A third option is to return to school at least part-time (6 units). This can be done at a junior college or a local university, and is not dependent on what courses you take. This option will allow you to defer your loans without penalty, as long as you are in school.

Student loan consolidation

If you are having a problem with your federal student loan, contact the FSA Ombudsman at the US Department of Education. The FSA Ombudsman is dedicated to helping students resolve disputes and other problems with federal student loans. The FSA Ombudsman will research your problem in an impartial and objective manner and will try to develop a fair solution. The FSA Ombudsman does not have the authority to impose a solution. Nevertheless, many students have found the FSA Ombudsman to be helpful in resolving disputes with lenders. You can contact the FSA Ombudsman by phone at 1-877-557-2575 or 1-202-377-3800, by fax at 1-202-275-0549, by mail at U.S. Department of Education, FSA Ombudsman, 830 First Street, NE, Fourth Floor, Washington, DC 20202-5144, or by email at fsaombudsmanoffice@ed.gov.