Fulfill your dream to study in top Study in USA universities with hassle-free loans covering tuition, living, and travel — at competitive rates.
Flexible and low interest options to suit your needs.
No security required for reputed universities.
Repay only when you start earning.
One-stop solution for all education-related costs.
30K+ Students Counselled
600+ Universities
The United Statstudents each year. With rising student visa demand and strong India–U.S. collaboration, it continues to offer world-class education, global career exposure, and advanced research opportunities.
At PayStudy, we offer education loans for studying in the USA who are planning to pursue their higher education.es is the world’s top study destination. It welcomes thousands of ambitious Indian We help you manage your finances with the right education loan partner arranging tuition fees, living expenses, and other educational costs. We also support identifying suitable lenders and structure their education funding plan according to their selected university, course, and financial profile.
The U.S. visa landscape is changing to improve security and streamline immigration. Understanding these updates early gives you an edge:
| Scholarship | Benefits | Category |
|---|---|---|
| Education Future Scholarship | ₹2L – ₹10L | Merit-based |
| Inlaks Scholarship | ₹84L | Need + merit |
| National Overseas Scholarship | Varies | Government funded |
Tip: Many scholarships prefer candidates who show structured financial planning — education loans help strengthen scholarship applications too.
Studying in the USA can be expensive. An education loan helps cover major costs without putting financial pressure on your family.
Pays tuition fees, living expenses, travel, visa fees, insurance and other academic expenses you need to meet throughout your study time.
Have a moratorium period throughout the course and pay later with affordable EMIs and options on tenure.
Enables students to pursue education in leading U.S. universities without compromising due to financial limitations.
Submit your profile and loan requirements through our simple online form.
Receive loan offers matched to your profile from top partners.
We help gather and verify all your required documents quickly.
Our experts handle coordination with banks/NBFCs for fast sanction.
Funds are sent directly to the university or your account as needed.
| University | Key Programs |
|---|---|
| Arizona State University | Computer Science, Business Analytics, Engineering |
| Brown University | Public Health, Data Science, CS |
| Boston University | Business, Law, Technology |
| University of Michigan | Engineering, Analytics, Health Sciences |
| New York University | Finance, Media, Global Business |
PayStudy Advantage: We assist with loan-backed fund proof to help strengthen visa profiles.
Admission criteria vary — strong academics + test scores + holistic profile matter.
| Feature | Description |
|---|---|
| Loan amount | INR 10 Lakh – INR 3 Cr |
| Rate of interest | Male – 9.15% Female – 8.65% |
| Processing fees | INR 11,800 + GST (Non-refundable) |
| Margin money* | 10% |
| Property evaluation charges | Approximately INR 7,500 (Note – property evaluation charges are subject to change; they may vary depending on one’s location and property) |
| Moratorium period** | Course duration + 6 months |
| Repayment tenure | 15 years |
| Lender / Institution | Loan Type | Max Loan Amount | Interest Rate (Approx.) | Special Notes |
|---|---|---|---|---|
| State Bank of India (SBI) | Secured | ₹1.5 Crore | 9.95% – 10.65% | Lower rate for female students |
| Union Bank of India (UBI) | Secured | ₹1.25 Crore | 10% – 10.75% | 15-year repayment available |
| ICICI Bank | Unsecured | ₹50 Lakhs | 10.75% – 12.5% | Faster processing for Tier-1 universities |
| Axis Bank | Unsecured | ₹50 Lakhs | 11% – 12.75% | Pre-visa disbursement option available |
| Credila | Unsecured | ₹60 Lakhs | 11% – 13% | Flexible co-applicant policy |
| Avanse Financial Services | Unsecured | ₹40 – 50 Lakhs | 11% – 13.25% | Quick approval, minimal documentation |
| InCred Finance | Unsecured | ₹40 – 45 Lakhs | 10.75% – 12.75% | Tailored repayment flexibility |
| MPOWER Financing | International (USD) | Up to USD 100,000 | 12% – 14% | No co-applicant or collateral required |
| Prodigy FinancE | International (USD) | Up to USD 100,000 | 11% – 13% | No Indian documentation needed |
Receive personalized guidance from specialists who are familiar with the regulations of U.S. universities, the loan procedure, and the financing requirements of the visa. Based on your admitted university and course, we help identify the most suitable lender and explore the best secured or unsecured education loan options.
PayStudy partnered with multiple trusted banks and NBFCs to find the best education loan options to study in the USA with competitive terms. Eligible students may benefit from competitive interest rates, special processing fee offers, faster loan assessments through dedicated lender channels, and flexible repayment options, subject to lender policies.
You can get fast processing with simplified documentation so that one can have a smooth and hassle-free experience. Our team evaluates multiple lender options to maximize your loan eligibility and supports students with varying co-applicant profiles, subject to lender eligibility criteria.
Receive tailored loan options based on your course, university, and financial profile. We also help you prepare a structured funding plan and organize the financial documentation required for your U.S. student visa process.
From lender selection and eligibility assessment to documentation, loan application, sanction, and disbursement, our team provides complete assistance throughout your study abroad journey, ensuring a seamless education loan experience.
Are you ready to transform your life?
Check Your Education Loan Eligibility
Get your education loan eligible within a minute.
