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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.
PTE Academic is completed on a computer, including the speaking part of the test.
So make sure you are prepared by familiarizing yourself with the equipment you will use during your test. Reading these test tips and you will be fully prepared.
There are many ways you can improve your chances of gaining points in Part 2: Reading during PTE Academic.
To improve your reading skills, practice increasing your reading speed and comprehension at the same time. In turn, you will improve your writing, grammar and vocabulary skills.
To do well in this part of the test, you need to be able to read quickly, using effective reading strategies, as there is a limited time to answer all questions.
Speed reading tasks will help improve your reading speed. Practice speed reading every day and:
Aim to be reading at least 220 words per minute
Reading short articles of around 300 words
Read often for short periods of time
You can also try this as a challenge with your friends to help keep motivated. Once you are happy with your comprehension and speed, focus on chunks (groups of words) rather than individual words.
When your reading skills reach a level you are happy with, you will feel more confident to answer the questions.
In the Multiple-Choice, Single Answer question type, some test takers make the mistake of scan reading and matching the words in the text to the words in the answer. Generally, the words in the text are not used in the correct answer, therefore it is important to learn how to use synonyms and paraphrasing as it will be used in the test.
Learn how to improve your grammar in our Reading: Core Skills part 1 article.
In this question type, you will need more time than in the Multiple-Choice, Choose Single Answer question type, as you need to intensively read the stem (the part before the options) as well as the options, then scan read the text on the screen until you find the part of the text that contains information that was in the stem.
Read the options very carefully and match the meaning of the option with the text. Do not match the words – this is something test takers may make errors with.
You should also make sure not to choose all the options since you lose one point for each incorrect choice. However, you cannot score below zero.
To do well in the Re-order Paragraphs questions, you will need to have a strong understanding of cohesive devices and how they work. You will also need to understand how articles work, as well as the logical and chronological order of information.
In this question type, skim-read the text to get the ideas of the topic of the text. From there, you should read all the sentences carefully.
For both Fill in the Blanks and Reading & Writing: Fill in the Blanks question types, you will need to understand a range of vocabulary, collocations, grammar, pronouns, and cohesive devices, as well as being able to identify when plural nouns are needed.
You will also need to be able to skim read to get an idea of the meaning of the text, then read intensively before and after each blank. If unsure, you should guess based on the context.
Make sure you do not leave any spaces blank. You do not need to correctly fill in all spaces to get points.
To go back and review the question types within the reading test, we suggest learning more about the reading questions.
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Do you have your heart set on studying in England, Scotland, Wales, or Northern Ireland? The UK is a wonderful place to live and learn, but you’ll most likely need to get a UK study visa before you start packing your bags.
This comprehensive guide covers who needs a UK student visa, the requirements for getting one, how to apply, how much it costs, and how long it takes.
If you’re an international student hoping to study in the UK, you’ll most likely need a student visa. The only exceptions are nationals of Switzerland and countries in the European Economic Area (EEA), who don’t need a visa to enter the UK. *
* Please note: The outcome of Brexit may alter this after 2020. Check the UK government’s website for up-to-date information about this.
There are several UK study visa requirements you’ll need to meet to successfully apply. These include:
You’ve been offered a place in a full-time course from an eligible university (i.e. the school must be a licensed Student route visa*Tier 4 sponsors)
You can understand English (both written and spoken)
You have enough funds to support yourself and any dependants, while also paying for the course.
These requirements apply to students from all over the world. This means the UK student visa requirements for Indian students and American students are exactly the same for Chinese students and Australian students (and so on).
