U.S. College Admission for International Students

 August 31, 2021
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More than 1.1 million international students studied in the U.S. in the spring of 2019. While that number dropped by 43% during the pandemic, it’s likely to rebound in the future. College admission for international students follows a similar process as it does for American students, but there are some key differences to be aware of.

If you’re an international student interested in studying in the U.S., these tips will help you navigate the college admissions process.

College admission for international students: 9 pro tips

Before sending off your application, consider this advice for international students:

1. Apply to several different schools
2. Learn about the holistic admission process
3. Research application requirements
4. Spend time on your personal essay
5. Take the SAT or ACT
6. Learn the language requirements
7. Get your transcript evaluated
8. Learn about your options for financial aid and scholarships
9. Keep track of deadlines

1. Apply to several different schools

There are nearly 4,000 colleges and universities in the U.S. Some are extremely selective and only let in students with top grades and test scores; others have a more forgiving admission process.

To maximize their chances, most American students apply to several different colleges. They apply to a few “safety schools” where they feel confident they’ll get in. They also apply to two to three “on target” schools. They’re qualified to get into these schools, but admission is not guaranteed.

Finally, students apply to two to three “reach” schools. Getting in may be a long shot, but it’s possible. Ivy League schools such as Harvard and Yale are considered “reach” schools for just about every student since they’re so selective.

If you’re applying as an international student, send off five to eight applications to increase your chances of admission. Even if you have your sights set on one school, make sure all the schools on your list are ones you’d be happy to attend.

If application fees are an obstacle, contact the financial aid office of your prospective schools. Financial aid officers may grant you an application fee waiver.

2. Learn about the holistic admission process

Another unique feature of American college admissions is that the process at many schools is holistic. Rather than looking solely at grades and test scores, admissions officers seek to learn about you as a person.

They want to know about your interests and passions. What do you do outside of school? How have you contributed to your community? What skills have you developed outside of academics?

You can reveal your personality through your personal essay and letters of recommendation. Plus, you’ll share any extracurricular activities or community engagement on your application.

If time allows, make it a point to join some clubs or take on an internship during high school. Many U.S. colleges are interested in what you’ve done outside of the classroom, not just within it.

3. Research application requirements

Every college is different, so every application might have its own unique requirements. Some colleges may require standardized test scores, while others are “test optional” or don’t look at test scores at all.

Some ask for recommendation letters from teachers or coaches, and others request that you schedule an interview with an admissions officer or alumni volunteer. It’s important to research the unique requirements of each school you apply to to ensure you’re not missing anything.

That said, many schools will accept the Common Application, which is an online application that you can fill out once and send to multiple schools. Filling out the Common Application can be a time-saver, but make sure to include any supplemental materials a college requests, as well.

4. Spend time on your personal essay

Your personal essay is an important part of your international student college application. This college essay is very different from a typical academic essay you may have written in history class.

Admissions officers want you to share a specific anecdote from your life. Maybe it was a time you experienced failure, overcame a challenge or learned a life-changing lesson. They’re interested in how you made meaning from this experience. Your personal essay is a chance for you to reveal your identity.

Before sitting down to write it, read some sample college essays. Many colleges share essays that impressed admissions officers on their website.

5. Take the SAT or ACT

Among other requirements, an American university application will likely ask that you take the SAT (or its counterpart, the ACT). The SAT is a test that measures your reasoning, verbal and math skills.

Studying for the SAT is key. Before you start, research the average SAT (or ACT) scores of accepted students at your prospective colleges. That way, you’ll know what scores will help you get in.

You can use free study materials online, an SAT or ACT prep book or study with a tutor or class.

6. Learn the language requirements

Since your courses at a U.S. college or university will be in English, you might have to demonstrate English proficiency to get accepted. Many colleges require foreign applicants to take the Test of English as a Foreign Language (TOEFL®) or the International English Language Testing System (IELTS).

Just as with the SAT or ACT, you can research schools to find out what scores it looks for in applicants. Once you have your goal, commit some time to studying and preparing for your exam.

Even if you speak English fluently, the TOEFL and IELTS are challenging. The TOEFL, for instance, is strictly timed and asks you to deliver verbal “essays” in response to unpredictable questions.

7. Get your transcript evaluated

Before applying, you’ll likely need to have your transcript evaluated. Since your school probably uses a different grading system than American high schools use, this evaluator can put your transcript into terms a college admissions officer will understand.

Make sure to request a transcript evaluation from an acceptable agency, such as one that’s a member of the National Association of Credential Evaluation Services (NACES) or the Association of International Credential Evaluators, Inc. (AICE).

This evaluation typically costs somewhere between $75 and $250 and can take several weeks to complete, so plan ahead. You might also need someone to translate your transcript into English if it’s in a different language.

Check with your school to find out if it has any requirements around transcript translation. Harvard University, for example, says you don’t need to hire a professional translator; rather, it’s acceptable to have an English teacher translate your materials.

8. Learn about your options for financial aid and scholarships

Most U.S. citizens apply for federal financial aid with an application called the FAFSA. If you’re an international applicant, you’re probably wondering, “Can international students apply to FAFSA?”

The answer is somewhat complicated. Unfortunately, international students are not eligible for federal financial aid. However, it’s still worth filing the FAFSA, since your school might use it to award institutional grants or scholarships.

While you may not be able to access the form online if you don’t have a U.S. Social Security number, you can still print out the form and mail it in. Some schools also ask for additional financial aid forms, such as the International Student Financial Aid Application (ISFAA) or the CSS profile.

You can also apply to external scholarships. Use a scholarship search tool to find money for college.

If you need further funding, you might be able to take out private student loans in the U.S. or your home country. U.S. lenders may require a cosigner who’s a U.S. citizen or permanent resident. Be cautious about repayment plans and interest rates — interest rates on private student loans can get very high, making your student debt balloon over time.

Before accepting an offer of admission, figure out how you’ll fund your education and make sure your investment is worth the cost.

9. Keep track of deadlines

From filling out the Common Application to writing your personal essay to taking standardized tests, the college admissions process has a lot of moving parts. It’s crucial to keep track of your various deadlines so that you can stay on track.

Some important deadlines to keep track of include test registration, testing days, financial aid deadlines and of course, application due dates. Colleges often offer early deadlines (typically in October or November) or regular deadlines (typically in January or February).

But again, every college is different, so look up every school on your list to learn about its unique requirements and deadlines.

Getting your student visa

Once you’re accepted to a college, you’ll start the process of obtaining your student visa. If you’ll be attending a four-year school, you’ll apply for an F-1 visa. Vocational students will typically apply for an M-1 visa.

You will need fill out a student visa application at a U.S. embassy or consulate in your home country before you come to the U.S. Your school should assign you an international student advisor who can help you navigate this process.

You should start this process early, as it can take time. Your F-1 visa can be issued up to three months before you arrive in the U.S. to start your studies.

Plan early for your international student college application

Admissions officers at U.S. colleges review all four years of your high school experience. They look at your grades, test scores, extracurricular activities and community involvement. Plus, they want to learn about your personality through your college essay and recommendation letters.

All of these American university application components take time, so start planning early. With enough preparation, you can submit an amazing application and get into your first choice school.

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1 Important Disclosures for College Ave.

CollegeAve Disclosures

College Ave Student Loans products are made available through Firstrust Bank, member FDIC, First Citizens Community Bank, member FDIC, or M.Y. Safra Bank, FSB, member FDIC.. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

  1. As certified by your school and less any other financial aid you might receive. Minimum $1,000.
     
  2. Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
     
  3. This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate (“APR”): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

Information advertised valid as of 11/15/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.


2 Rate range above includes optional 0.25% Auto Pay discount. Important Disclosures for Earnest.

Earnest Disclosures

Interest Rate Disclosure: Actual rate and available repayment terms will vary based on your income. Fixed rates range from 4.24% APR to 13.03% APR (excludes 0.25% Auto Pay discount). Variable rates range from 3.83% APR to 12.53% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. Although the rate will vary after you are approved, it will never exceed 36% (the maximum allowable for this loan). Please note, Earnest Private Student Loans are not available in Nevada. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account. It is important to note that the 0.25% Auto Pay discount is not available while loan payments are deferred.

Auto Pay Disclosure: You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment from a checking or savings account. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in Auto Pay. It is important to note that the 0.25% Auto Pay discount is not available while loan payments are deferred.

Loan Cost Examples: Earnest’s Loan Cost Examples: These examples provide estimates based on principal and Interest payments beginning immediately upon loan disbursement. Variable APR: A $10,000 loan with a 15-year term (180 monthly payments of $118.28) and a 11.69% APR would result in a total estimated payment amount of $21,290.40. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 15-year term (180 monthly payments of $126.82) and a 13.03% APR would result in a total estimated payment amount of $22,827.79.

These examples provide estimates based on interest only payments while in school. Variable APR: A $10,000 loan with a 15-year term (180 monthly payments of $145.41) and a 11.69% APR would result in a total estimated payment amount of $26,173.03. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 15-year term (180 monthly payments of $156.59) and a 13.03% APR would result in a total estimated payment amount of $28,186.67. Your actual repayment terms may vary. Other repayment options are available.

These examples provide estimates based on fixed $25 payments while in school. Variable APR: A $10,000 loan with a 15-year term (180 monthly payments of $169.92) and a 11.69% APR would result in a total estimated payment amount of $30,584.74. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 15-year term (180 monthly payments of $188.42) and a 13.03% APR would result in a total estimated payment amount of $33,915.55. Your actual repayment terms may vary. Other repayment options are available.

These examples provide estimates based on deferred payments. Variable APR: A $10,000 loan with a 15-year term (180 monthly payments of $174.79) and a 11.69% APR would result in a total estimated payment amount of $31,462.16. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 15-year term (180 monthly payments of $193.75) and a 13.03% APR would result in a total estimated payment amount of $34,874.28. Your actual repayment terms may vary. Other repayment options are available. It is important to note that the 0.25% Auto Pay discount is not available while loan payments are deferred.

Loan Eligibility criteria: Eligible students must: 1) For college Freshmen, Sophomores and Juniors, attend, or be enrolled to attend, a Title IV school full-time. For college Seniors and Graduate students, attend, or be enrolled to attend, a Title IV school at least half-time; and 2) be pursuing a Bachelor’s or Graduate degree. Earnest private student loans are subject to credit qualification, completion of a loan application, verification of application information, self-certification of loan amount, and school certification.

Before applying for private student loans, it’s best to maximize your other sources of financial aid first. It’s recommended to use a 3-step approach to assembling the funds you need: 1) Look for funds you don’t have to pay back, like scholarships, grant and work-study opportunities. 2) Next, fill out a FAFSA® form to apply for federal student loans. Federal student loans do not require a credit check or cosigner, and offer various protections if you’re struggling with payments. 3) Finally, consider a private student loan to cover any difference between your total cost of attendance and the amount not covered in steps 1 and 2. For more information, visit the Department of Education website at https://studentaid.ed.gov.

Earnest Private Student Loans are made by One American Bank, Member FDIC. One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104.

Earnest loans are serviced by Earnest Operations LLC, 535 Mission St., Suite 1663 San Francisco, CA 94105, NMLS #1204917, with support From Navient Solutions, LLC (NMLS #212430). One American Bank and Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America.

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4 Important Disclosures for Edly.

Edly Disclosures

1. Loan Example:

  • Loans from $5,000 – $20,000
  • Example: $10,000 IBR Loan with a 7% gross income payment percentage for a Senior student making $65,000 annually throughout the life of the loan.
    • Payments deferred for the first 12 months during final year of education.
    • After which, $270 Monthly payment for 12 months.
    • Then $379 Monthly payment for 44 months.
    • Followed by one final payment of $137 for a total of $20,610 paid over the life of the loan.

About this example

The initial payment schedule is set upon receiving final terms and upon confirmation by your school of the loan amount. You may repay this loan at any time by paying an effective APR of 23%. The maximum amount you will pay is $22,500 (not including Late Fees and Returned Check Fees, if any). The maximum number of regularly scheduled payments you will make is 60. You will not pay more than 23% APR. No payment is required if your gross earned income is below $30,000 annually or if you lose your job and cannot find employment.

2. Edly Student IBR Loans are unsecured personal student loans issued by FinWise Bank, a Utah chartered commercial bank, member FDIC. All loans are subject to eligibility criteria and review of creditworthiness and history. Terms and conditions apply.


5 Important Disclosures for Citizens Bank.

Citizens Bank Disclosures

  • Variable Rate Disclosure: Variable interest rates are based on the 30-day average Secured Overnight Financing Rate (“SOFR”) index, as published by the Federal Reserve Bank of New York. As of September 1, 2022, the 30-day average SOFR index is 2.23%. Variable interest rates will fluctuate over the term of the loan with changes in the SOFR index, and will vary based on applicable terms, level of degree and presence of a co-signer. The maximum variable interest rate is the greater of 21.00% or the prime rate plus 9.00%.
  • Fixed Rate Disclosure: Fixed rate ranges are based on applicable terms, level of degree, and presence of a co-signer.
  • Lowest Rate Disclosure: Lowest rates are only available for the most creditworthy applicants, require a 5-year repayment term, immediate repayment, a graduate or medical degree (where applicable), and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Rates are subject to additional terms and conditions, and are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change.

     

    Undergraduate Rate Disclosure: Variable interest rates range from 3.25%-10.35% (3.25% – 9.69% APR). Fixed interest rates range from 4.24% – 10.59% (4.24% – 9.93% APR). 

    Graduate Rate Disclosure: Variable interest rates range from 3.75%-9.90% (3.75% – 9.68% APR). Fixed interest rates range from  5.22% – 10.14% (5.22% – 9.91% APR). 

    Business/Law Rate Disclosure: Variable interest rates range from 3.75%-9.35% (3.75% – 9.16% APR). Fixed interest rates range from 5.20% – 9.59% (5.20% – 9.39% APR).

    Medical/Dental Rate Disclosure: Variable interest rates range from 3.75%-9.02% (3.75% -8.98% APR). Fixed interest rates range from 5.18% – 9.26% (5.18% – 9.22% APR). 

    Parent Loan Rate Disclosure: Variable interest rates range from 3.25%-9.21% (3.25% – 9.21% APR). Fixed interest rates range from 3.96%-9.50% (3.96%-9.50% APR).

    Bar Study Rate Disclosure: Variable interest rates range from 6.58%-11.72% (6.58% – 11.62% APR). Fixed interest rates range from 7.39% – 12.94% (7.40% – 12.82% APR). 

    Medical Residency Rate Disclosure: Variable interest rates range from 5.67%-9.17% (5.67% – 8.76% APR). Fixed interest rates range from 6.99% – 10.49% (6.97% – 10.08% APR).


6 Important Disclosures for Funding U.

Funding U Disclosures

Offered terms are subject to change. Loans are made by Funding University which is a for-profit enterprise. Funding University is not affiliated with the school you are attending or any other learning institution. None of the information contained in Funding University’s website constitutes a recommendation, solicitation or offer by Funding University or its affiliates to buy or sell any securities or other financial instruments or other assets or provide any investment advice or service.