U.S. College Admission for International Students

 August 31, 2021
How Student Loan Hero Gets Paid

How Student Loan Hero Gets Paid

Student Loan Hero is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). Student Loan Hero does not include all lenders, savings products, or loan options available in the marketplace.

Advertiser Disclosure

Student Loan Hero Advertiser Disclosure

Student Loan Hero is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, commissioned or otherwise endorsed by any of our network partners.

international students

We’ve got your back! Student Loan Hero is a completely free website 100% focused on helping student loan borrowers get the answers they need. Read more

How do we make money? It’s actually pretty simple. If you choose to check out and become a customer of any of the loan providers featured on our site, we get compensated for sending you their way. This helps pay for our amazing staff of writers (many of which are paying back student loans of their own!).

Bottom line: We’re here for you. So please learn all you can, email us with any questions, and feel free to visit or not visit any of the loan providers on our site. Read less

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.

Need a student loan?

Here are our top student loan lenders of 2022!
LenderVariable APREligibility 
0.94% – 12.99%1Undergraduate

Visit College Ave

2.00% – 12.35%*,2Undergraduate

Visit SallieMae

0.94% – 11.44%3Undergraduate

Visit Earnest

0.98% – 11.90%4Undergraduate

Visit Ascent

1.69% – 11.98%5Undergraduate

Visit SoFi

1.86% – 9.39%6Undergraduate



Visit FundingU

0.00% – 23.00%8Undergraduate

Visit Edly

* The Sallie Mae partner referenced is not the creditor for these loans and is compensated by Sallie Mae for the referral of Smart Option Student Loan customers.

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.

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.
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. This informational repayment example uses typical loan terms for a first year graduate student 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 7.10% fixed Annual Percentage Rate (“APR”): 120 monthly payments of $141.66 while in the repayment period, for a total amount of payments of $16,699.21. 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 7/1/2022. 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 Sallie Mae Disclaimer: Click here for important information. Terms, conditions and limitations apply.

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

Earnest Disclosures

Actual rate and available repayment terms will vary based on your income. Fixed rates range from 3.49% APR to 13.03% APR (excludes 0.25% Auto Pay discount). Variable rates range from 1.19% APR to 10.14% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan refinance 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.

4 Important Disclosures for Ascent.

Ascent Disclosures

Ascent loans are funded by Bank of Lake Mills, Member FDIC. Loan products may not be available in certain jurisdictions. Certain restrictions, limitations; and terms and conditions may apply. For Ascent Terms and Conditions please visit: AscentFunding.com/Ts&Cs

Rates are effective as of 07/01/2022 and reflect an automatic payment discount of either 0.25% (for credit-based loans) OR 1.00% (for undergraduate outcomes income-based loans). Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. For Ascent rates and repayment examples please visit: AscentFunding.com/Rates.

1% Cash Back Graduation Reward subject to terms and conditions, please visit AscentFunding.com/Cashback. Cosigned Credit-Based Loan student borrowers must meet certain minimum credit criteria. The minimum score required is subject to change and may depend on the credit score of your cosigner. Lowest APRs are available for the most creditworthy applicants and may require a cosigner.

5 Important Disclosures for SoFi.

Sofi Disclosures

UNDERGRADUATE LOANS: Fixed rates from 3.75% to 13.30% annual percentage rate (“APR”) (with autopay), variable rates from 1.89% to 11.98 % APR (with autopay). GRADUATE LOANS: Fixed rates from 4.75% to 13.30% APR (with autopay), variable rates from 2.59% to 11.98% APR (with autopay). PARENT LOANS: Fixed rates from 4.48% to 13.55% APR (with autopay), variable rates from 1.69% to 11.98% APR (with autopay). For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. Interest rates for variable rate loans are capped at 13.95%, unless required to be lower to comply with applicable law. Lowest rates are reserved for the most creditworthy borrowers. If approved for a loan, the interest rate offered will depend on your creditworthiness, the repayment option you select, the term and amount of the loan and other factors, and will be within the ranges of rates listed above. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Information current as of 06/17/2022.

6 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 July 1, 2022, the 30-day average SOFR index is 1.02%. 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.

7 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.

8 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.