Applying to US universities: A quick guide to financial aid

Financial aid for international students at universities in the United States typically involves a combination of scholarships, grants, loans and work-study opportunities. Aid options for international students are generally limited compared with those available to domestic students.   

International students are advised to research and reach out to individual universities to understand the specific financial aid opportunities available to them because each institution will have its own policies and resources for international students. 

1. Scholarships   

International students can apply for merit-based scholarships offered by universities, private organisations and government agencies. These scholarships are awarded based on academic achievements, talents or specific criteria set by the scholarship provider.  

2. Grants   

Some universities and colleges may offer needs-based grants to international students. These grants are normally awarded based on financial need and require the submission of detailed financial information.  

3. Loans   

International students may have limited access to loans in the US. Some universities or private lenders may offer loans specifically designed for international students. These often require a co-signer who is a US citizen or permanent resident. 

4. Work-study   

International students on F-1 visas can work on-campus part-time during the academic year and full-time during breaks. Work-study programmes provide opportunities for students to earn money to contribute towards their educational expenses.  

5. External funding   

International students can explore funding options offered by their home countries, international organisations and foundations that support education abroad. These external funding sources can supplement their own financial resources.