Loan Resources for International Students

A loan is defined as a type of debt; it is a sum of money given from one party to another for use over a period of time. The money has to be paid back according to the terms agreed upon by both parties, including the specified interest rates and the timeframe over which the loan will be repaid. 

Some banks allow international students with a qualified U.S. citizen or permanent resident cosigner to apply for loans.  A cosigner is an individual who signs a loan agreement along with the borrower and assumes equal responsibility for repayment; essentially they are responsible for repaying the balance of the loan or debt in the event that the applicant does not.

The University of California offers private lender lists as guides for students and parents, but you're free to use any lender of your choice.

  • Follow the instructions provided by your selected lender, who will notify you of your loan application status and any approved amount.
    • You may be required to sign a promissory note, a document that confirms your agreement to repay the loan.
  • Remember that fees and repayment terms vary among lenders.
  • All lender lists are in PDF format.

UC lender lists for private loans

Private loans (also known as alternative loans) can help to fill the gap between the cost of education and the amount of other financial aid offered. However, you should always maximize all other resources, including federal loans, which have lower interest rates and better loan terms.


Contact the Financial Aid Office, (858) 534-4480.