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No matter where in the world you choose to study, it’s important to take into account the financial cost of living abroad. Tuition, rent, textbooks, and transport can all be big expenses. But because of visa restrictions, not all students are able to work enough hours to support themselves while studying.
In this, many international students might need to take out private student loans. So, let’s explore what loan options are available for students – including in popular study destinations like Canada, Australia, the U.S., and the U.K.
Many countries have student loan systems in place to help learners fund their education. However international students are usually not eligible for these loans – only citizens, permanent residents, and those with protected status in a country can apply.
On the other hand, there are lots of private loans for international students. Your eligibility will depend on what country you’re studying in. For example, in some countries, you’ll need a co-signer. In other countries, you’ll need to show you have a regular source of income.
Loans for students studying abroad are available from various sources, including:
Local banks
Non-bank lenders and private student loan programs (popular in the U.S.)
Universities
While searching for student loans, we always recommend checking with your university first, as these loans usually come with better terms. For example, the University of Sydney in Australia offers loans of up to $1000 AUD ($777 USD) that are interest-free and payable within 12 months, as well as $2000 ($1550 USD) loans that can be paid back up to two years after graduation.
Private student loans differ by country. So, let’s take a look at what’s available for international students in these four popular study destinations.
It can be expensive to study abroad in Australia. According to the Australian Government, tuition for international students perusing a bachelor’s degree can cost between $25,000 – $45,000 AUD ($19,425-$34,966 USD) a year. Likewise, the cost of living can be about $21,000 AUD ($16,317 USD) for 12 months. Of course, these costs can vary depending on your institution and where you study in the country.
But, the good news is that on an Australian student visa, you can work up to 40 hours every two weeks.
As an international student, you won’t be able to access Australia’s Higher Education Loan Program (HELP). But you can explore the following to help further fund your studies:
Short-term and long-term loans from a university. Dozens of universities offer loans to international students, just like the ones from the we mentioned above. For example, offers students loans up to $5,000 AUD ($3,883 USD). The even gives out student loans of $200 AUD ($155 USD) in case of emergencies, like if you’ve lost your wallet or are short on cash.
A secured personal loan with a private bank, in which you offer an asset as collateral.
An unsecured personal loan. With these, you don’t have to offer an asset as collateral, but interest rates are generally higher. Banks across Australia offer these types of loans. One example is Westpac.
Read more: Australian student loans for international students
On average, students in the U.K. spend about £795 ($1,100 USD) a month on living expenses, and for international students, tuition for a Master’s Degree can be between £5,000-17,000 ($6,983-$23,743 USD) a year. With Brexit, EU/EAA citizens will now considered international students.
So, what loan options do foreign students have?
A foreign-enrolled loan. Students can apply to these to fund their education abroad – but it depends on what countries you come from the U.S. and what university you’ll attend. Students from, for example, can be eligible.
Bank loans for students studying abroad from your home country.
Private student loans for foreign learners in the UK. Future Finance, for example, offers
flexible loans to international students.
Read more: UK student loans for international students
The U.S. is one of the most expensive places to study as an international student. The cost of living can range between $1,000 – 3,000 USD per month, depending on where in the country you settle. Tuition for a four-year bachelor’s degree can cost roughly $40,000 USD at a public university and can reach past $50,000 USD at a private university.
However, there are lots of student loan options available. These loans can be quite a long-term, and students might be able to repay them over the course of up to 25 years.
Banks and online lenders. Loans from these sources often require a U.S. co-signer with good credit history. Organizations like Assent and Discover provide loans to international students.
An online lender that doesn’t require a U.S. co-signer. MPOWER Financing, for example, offers loans for international students without a co-signer.
Tuition fees at Canadian universities and colleges can vary – international students can expect to pay between $1000-30,000 CAD ($794-$23,830 USD) a year for a bachelor’s degree. Living costs depend on what city you study in but can range between $800-$2000 CAD ($635-$1588 USD) a month.
International students in Canada have a few loan options:
A bank loan from your home country. Like many countries, Canada requires students applying for a visa to show they have enough money to cover their expenses
– making getting a loan from home a good first option.
A student line of credit from a Canadian bank. With these, you have a set limit (just like on a credit card) and only have to pay back the money you actually use. Learn more about the student line of credits on the Government of Canada website.
Private companies. For example, MPOWER Financing also offers loans to international students in Canada without a co-signer.
This isn’t an exhaustive list. But we hope this article provides you with a good starting point and helps you understand where to begin looking for student loans to fund your education. Remember, it’s important to shop around for the loan that works best for you – there are lots of options out there.
PTE Academic can help you get one step closer. Our computer-based, unbiased language test is accepted by governments and higher education institutions around the world as proof of English proficiency.
Find out more about the test or book your PTE Academic test today.
The Summarize Group Discussion task is one of the most comprehensive speaking challenges in PTE Academic. It tests your ability to listen actively, take effective notes, and deliver a coherent summary that captures multiple perspectives.
Understanding how to approach this task strategically can significantly boost your speaking score.
The "Respond to a Situation" task in the Speaking section of PTE Academic tests your ability to handle real-world university scenarios using appropriate language. This task simulates everyday campus interactions, requiring you to respond naturally and effectively to common situations you might encounter as a student.
Knowing your English level helps you pick the right course, get visas, and make strong applications for work or school. In short: proficiency levels are standard descriptions of what you can do in reading, listening, speaking, and writing.
You can check your level with trusted online tests or official exams like PTE Academic or PTE Core, which give scores based on global standards. Below, we explain how levels are defined, how they’re tested, how to estimate your current ability, and what different goals usually need, so you can plan your next step with confidence.
Language proficiency levels show how well you can read, listen, speak, and write. These levels follow shared standards so schools, employers, and governments around the world can easily understand your skills.
The most common system is the Common European Framework of Reference for Languages (CEFR), which rates language ability from beginner (A1) to highly advanced (C2). A recent overview explains CEFR’s role as a standard for designing tests and interpreting scores across countries and programs and notes ongoing efforts to keep it up to date for modern assessments.
Pearson’s Global Scale of English (GSE) provides a more granular 10–90 scale that also aligns to CEFR tiers. This makes it easier to see fine-grained progress and map scores to CEFR bands.
Typical CEFR levels at a glance:
A1: Understand and use everyday expressions; introduce yourself; ask and answer simple questions
A2: Handle routine tasks; describe immediate needs and simple aspects of daily life
B1: Understand main points of clear standard input; produce simple connected text; manage travel or work situations
B2: Interact with fluency on familiar topics; write clear, detailed text; follow lectures with some support
C1: Use English flexibly and effectively in academic and professional contexts; understand demanding texts
C2: Understand virtually everything heard or read; summarize information coherently; express nuanced ideas precisely
Common uses:
A1-A2: Mainly used for basic immigration visas, family reunification, entry-level work or training programs, and integration courses where simple everyday communication is sufficient.
B1–B2: Many vocational programs, initial professional roles, and some visa pathways
B2–C1: Most undergraduate admissions and professional certifications
C1–C2: Postgraduate study, specialized professions, and roles requiring complex communication
Proficiency is measured across four core skills:
Reading:Understanding texts, identifying main ideas and details, and interpreting vocabulary in context
Listening : Following speech at natural speed, recognizing key information, and inferring meaning
Speaking: Producing clear, organized speech; using accurate grammar, vocabulary, and pronunciation
Writing: Composing well-structured texts suited to purpose and audience; demonstrating control of grammar and cohesion
The scoring for most English language tests is measured against the CEFR. For The scores for PTE Academic (for studying and work) and PTE Core (for general use and migration), align to CEFR with scoring between 10 and 90. Learn more about PTE scoring alignment.
Build a reliable picture by mixing official tests with quick checks and reflective habits:
Take a recognized practice test: Use an official Pearson PTE Scored Practice materials Test
or other reputable online assessments to estimate your CEFR level and identify strengths and gaps
Practice with PTE-style items: Work through sample reading tasks (e.g., fill-in-the-blanks), listening summaries, and short spoken responses to simulate real test conditions.
Use self-analysis prompts that match the CEFR level you are aiming for: For example, ask, “Can I follow a university lecture?”, “Can I write a formal email with clear structure?”, “Can I explain a process or opinion for 60–90 seconds?”
Requirements vary, but many universities, colleges, professional bodies, and visa authorities set minimum thresholds around B1–C1, or the equivalent GSE score range of 43-84 for PTE Academic and PTE Core. . Some UK family and settlement visas require A1 or A2 level. Always confirm details with the program or government authority.
Typical requirement ranges (illustrative):
University / College admission:
Undergraduate: Often B2; competitive programs may prefer C1
Postgraduate: Commonly C1
Professional certification:
General professional registration: Frequently B2–C1
Visa/migration pathways:
Skilled migration: Typically B1–B2+ equivalents; some routes require higher levels depending on occupation
Family visas: Often A1-A2.
For Canadian migration scenarios, explore PTE Core requirements and pathways here.
For UK migration, consider PTE UK visa SELT tests.
For many learners, English isn't just the goal; it’s the way to get degrees, licenses, and international jobs. Universities and employers look at test scores to decide who to admit or hire. Once students are in university or at work, success depends on great communication (reading, listening, speaking, and writing) skills, whether it's doing research or talking to clients.
Research indicates that higher English proficiency supports academic performance and integration for international students, improving classroom participation and social engagement. In the workplace, clear communication underpins teamwork, safety, and advancement, making ongoing skill development a career investment, not just a test goal.
Target all four skills with short, consistent practice:
Daily core routine (20–40 minutes):
Listening: Listen to 2–3 minutes of a podcast or lecture; note new phrases
Speaking: Answer one daily Q&A aloud (60–90 seconds) on familiar topics
Reading: Skim a news article; summarize the main idea in two sentences
Writing: Draft a short email or 120–150 word paragraph; focus on structure and linking words
Quick wins:
Grammar and vocabulary: Do 10 fill-in-the-blank or sentence completion items; build a personal word bank with examples
Reading for context: Underline signal words (however, therefore) and infer meaning of three unknown words from context
Listening focus: Practice identifying the overarching meaning first, then the key details and numbers
Feedback loop: Swap writing with a friend or use self-scoring checklists; act on one improvement point per day
To prepare for your English exam, practice with practice tests that are similar to your actual test and check the scoring guidelines to make sure your answers meet the expectations. If you aren't sure where to start take our 'Which test is right for me?' tool. You can also read our article 'How to pick an English test that works for you'.
Practice short answers to everyday prompts like “What did you do today?” and “What do you like to eat?” to build fluency and reduce hesitation.
Use clarifiers such as “Could you repeat that more slowly?” or “Do you mean…?” to confirm meaning and keep the conversation clear.
Do fill-in-the-blanks, sentence completion, and synonym/antonym matching to reinforce patterns and expand word choice.
Study common task types (reading comprehension, short writing, gap-fill, brief speaking responses) and practice them under timed conditions to build accuracy and pacing. You can also try practice tests to get used to the format of a specific test, like PTE.
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