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These six companies offer student loan refinancing you can qualify for if you were an international student and are still working in the US:
Prodigy Finance might be the only lender that offers refinancing specifically for international students — in fact, you can’t be a US citizen or permanent resident if you want to qualify. But it only offers variable rates, which start higher than what you might find with other lenders. It’s also not available in all states or to graduates of all schools.
This online lender offers student loan refinancing to former international students, as long as you have the right type of visa. It offers competitive rates and has a higher limit than some student loan refinancing providers. But you can’t bring on a cosigner if you can’t meet other requirements like the minimum credit score on your own.
SoFi specializes in student loan refinancing and is willing to work with nonresidents as long as you have the right visa — with no cosigner required. It also works with O-1 visas, which CommonBond doesn’t accept. While it has highly competitive rates, its membership perks like career coaches and wealth advisers are also a huge draw. But you’ll need strong personal finances to qualify.
Citizens Bank is one of the few banks that will work with nonresidents. But with this option, you’ll have to bring on a cosigner to meet the basic requirements. While its rates aren’t as competitive as some of the other lenders on this list, they’re still generally lower than many loans available to international students.
Credible is an online marketplace that can help you prequalify for refinancing with a few lenders. While its partners don’t offer refinancing to nonresidents on their own, you may be able to qualify with a cosigner who is a US citizen or permanent resident. It’s also one of a handful of providers that doesn’t require a degree and has no maximum refinancing amount.
This online lender partners with Citizens Bank to offer student loan refinancing. It essentially offers the same loan, but with a more streamlined application process. And like with Citizens, you also have to bring on a cosigner to qualify.
You might have to meet some or all of the following requirements to qualify for student loan refinancing if you don’t have a green card or citizenship:
You can. Rather than looking for a student loan provider, however, you’ll need to find a personal loan provider who works with nonresidents. If you don’t have a cosigner, you might want to consider a provider like Stilt, that specializes in personal loans for nonresidents.
Even if you used both loans to pay for school, personal loans are ineligible for student loan refinancing. If you consolidate them together, your student loans will become a personal loan. Try to avoid this if possible — student loans typically have more flexibility when it comes to repayment plans and lower rates.
Before you refinance your student loans, consider these factors to ensure it’s the right move for you:
You don’t have many options if you went to school in the US and want to refinance your student debt load as a nonresident. But it might be worth it — especially if you didn’t have a cosigner when you first took out your student loans. You can learn more about how it all works by reading our guide to student loan refinancing.
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