Fund your education.

Live your dream.

Make your study abroad dreams a reality with MPOWER. Our international student loans have competitive fixed rates, never require a cosigner or collateral, and are free to apply for. 

Customer reviews

Sol Bee

UC Berkeley

Read Full Story

“MPOWER allowed me to achieve my dream. I was originally accepted to Berkeley, but I couldn’t afford it at the time. So I took multiple jobs as a translator, tutor, and kindergarten teacher, but I only got enough money for only 1 semester at Berkeley. I nearly gave up until I heard about MPOWER loan. I was amazed as an international student with no credit history, no cosigner, and no social security number could be eligible. The application was straightforward, the customer service was excellent, and I was approved to get my golden ticket to my dream school.”

Arbaaz

Texas A&M University

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“I stumbled across MPOWER Financing in the second year of my study in the US. Right from the simple way to check your eligibility to the day your loan is dutifully disbursed to your university, the entire process is an absolute grace. MPOWER does much more than just lend money. It’s this vehicle of success of liberating financial curdles in its path and creating a borderless world for international students like me.”

Neha Purohit

Purdue University

Read Full Story

“I would recommend MPOWER to everyone who’s looking for financial help and support and also a loan for their education. It’s simpler, easier, and they are there to help you out, and they are open to hearing your stories.”

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Why choose us?

Loans designed for international students

We offer no collateral and no cosigner loans, and we make loan decisions based on your future potential, rather than your family background, income, or assets. We believe everyone deserves the opportunity to succeed.

Powered by your future potential

An independent student loan that doesn’t require a cosigner or collateral. We make loan decisions based on your academic background and future capability to repay the loan.

Up to US$100,000 in funding

Competitive, fixed interest-rate loans from US$2,001 to US$100,000 total. Plus – we don’t mind if you have loans from other lenders; you can still apply for an MPOWER loan!

Free application and cancellation

Free online application, no prepayment penalty, and free cancellation at any time throughout the application process.

USD loan disbursed directly to your school

Once approved, we directly disburse the loan amount to your school, avoiding expensive cross-border wire and currency exchange fees.

Visa and career support

Free visa support letters (proof of funds) and exclusive career strategy services are available to all customers.

One-stop customer support

You can communicate directly with our professional consultants through email, phone, or Whatsapp, providing you with one-stop personal service from consultation to application to disbursement.

What we’ve achieved together

US$4B+

 We have successfully processed US$4B+ loan applications.

US$100K

 We have awarded US$100K+ in scholarships for international students from around the world.

400+

 We support 400+ U.S. and Canadian schools, not limited to major or degree.

200+

 Our customers come from more than 200 countries and regions.

4.7/5

 Trustpilot rating

100%

 We offer a 100% digital loan application process.

How does the online 

application work?  

Eligibility

Check to see if you and your school are eligible.

Online application

Submit your online application with a government-issued ID (i.e., passport).

Conditional offer

Receive a conditional offer decision immediately.

Upload documents

Upload your documents to the MPOWER dashboard, watch an intro video about loan features, and fill out the reference page.

Final approval

Receive a final approval once we validate your uploaded documents. Also, we will provide a free visa support letter via email if you need it.

Disbursement

Relax while your school certifies your enrollment status. (*This step is only required for U.S. schools). Once finished, we will send you the final loan documentation to sign and disburse your funds directly to the school accordingly.

Find your MPOWER eligible school

Search our list of eligible schools.

School Name State Country
Tufts University Massachusetts United States
Pennsylvania State University Pennsylvania United States
Louisiana State University Health Sciences Center-New Orleans Louisiana United States
University of Puerto Rico-Medical Sciences Puerto Rico United States
Soka University of America California United States
Keck Graduate Institute California United States
Wake Forest University North Carolina United States
Texas Tech University Health Sciences Center Texas United States
The University of Texas at Dallas Texas United States
University of Massachusetts Medical School (UMMS) Massachusetts United States
University of North Texas Health Science Center at Fort Worth Texas United States
Saint Luke s College of Health Sciences Missouri United States
Mount Carmel College of Nursing Ohio United States
Utah College of Dental Hygiene Utah United States
Rush University Illinois United States
Clarkson College Nebraska United States
Lancaster General College of Nursing & Health Sciences Pennsylvania United States
Franciscan Missionaries of Our Lady University Louisiana United States
Thomas Aquinas College California United States
Roseman University of Health Sciences Nevada United States
Denver College of Nursing Colorado United States
Thomas Jefferson University Pennsylvania United States
Hult International Business School Massachusetts United States
University of San Diego - USD California United States
University of California - Merced California United States
Lakeview College of Nursing Illinois United States
Touro University California California United States
University of Texas Southwestern Medical Center at Dallas Texas United States
Loyola Marymount University California United States
MGH Institute of Health Professions Massachusetts United States
Belmont University Tennessee United States
The University of Texas MD Anderson Cancer Center Texas United States
Harvard University Massachusetts United States
Johns Hopkins University Maryland United States
Arizona State University Arizona United States
Western University of Health Sciences California United States
Frontier Nursing University Kentucky United States
Pepperdine University California United States
Eastern Virginia Medical School Virginia United States
Florida State University - FSU Florida United States
George Mason University Virginia United States
Hofstra University New York United States
Teachers College at Columbia University New York United States
SUNY at Albany New York United States
Thunderbird School of Global Management Arizona United States
Northeastern University Massachusetts United States
Columbia University New York United States
SUNY at Binghamton New York United States
Ohio State University - OSU Ohio United States
Resurrection University Illinois United States
Duke University North Carolina United States
Cornell University New York United States
Fordham University New York United States
Case Western Reserve University Ohio United States
Syracuse University New York United States
University of Rochester New York United States
University of Oklahoma Oklahoma United States
Carnegie Mellon University Pennsylvania United States
University of Pittsburgh Pennsylvania United States
Villanova University Pennsylvania United States
Texas A&M University Texas United States
James Madison University - JMU Virginia United States
Seattle University Washington United States
Rutgers University New Jersey United States
Washington University in St Louis Missouri United States
George Washington University - GWU DC United States
Brown University Rhode Island United States
Arizona State University- West Arizona United States
Arizona State University- Polytechnic Arizona United States
Arizona State University- Downtown Phoenix Arizona United States
Arizona State University- Skysong Arizona United States
Tulane University Louisiana United States
University of Michigan - Ann Arbor Michigan United States
Boston University Massachusetts United States
University of North Carolina at Chapel Hill - UNC North Carolina United States
St. James School of Medicine | Saint James School of Medicine Illinois United States
Auburn University Alabama United States
Stanford University California United States
University of California - Berkeley California United States
University of California - Davis California United States
University of California - San Diego - UCSD California United States
University of California - Santa Barbara - UCSB California United States
American University DC United States
Georgetown University DC United States
University of Florida Florida United States
University of Miami Florida United States
University of South Florida Florida United States
Illinois Institute of Technology Illinois United States
SUNY College of Environmental Science and Forestry New York United States
University of Chicago (incl. Booth) Illinois United States
University of Illinois at Urbana-Champaign Illinois United States
University of Illinois at Chicago Illinois United States
Lipscomb University Tennessee United States
Texas Christian University - TCU Texas United States
Middlebury College Vermont United States
Pace University - New York New York United States
New York University - NYU New York United States
Rochester Institute of Technology New York United States
Skidmore College New York United States
Saint John Fisher College New York United States
Albany College of Pharmacy and Health Sciences New York United States
Albany Medical College North Carolina United States
Union College (New York) New York United States
Ball State University Indiana United States
Butler University Indiana United States
Denison University Ohio United States
Dickinson College Pennsylvania United States
Drexel University Pennsylvania United States
Duquesne University Pennsylvania United States
Haverford College Pennsylvania United States
Franklin and Marshall College Pennsylvania United States
Gettysburg College Pennsylvania United States
University of South Carolina - Columbia South Carolina United States
South Dakota School of Mines and Technology South Dakota United States
South Dakota State University South Dakota United States
Sewanee - The University of the South Tennessee United States
Rhodes College Tennessee United States
Union University Tennessee United States
University of Tennessee - Knoxville Tennessee United States
University at Buffalo New York United States
SUNY at Stony Brook New York United States
SUNY Downstate Medical Center New York United States
University of Delaware Delaware United States
Vassar College New York United States
Creighton University Nebraska United States
John Carroll University Ohio United States
University of North Dakota North Dakota United States
Kenyon College Ohio United States
Miami University Ohio United States
University of Mount Union Ohio United States
University of Oregon Oregon United States
University of Portland Oregon United States
University of Tulsa Oklahoma United States
Vanderbilt University Tennessee United States
Baylor University Texas United States
Rice University Texas United States
University of Vermont Vermont United States
Gonzaga University Washington United States
Virginia Commonwealth University Virginia United States
Shenandoah University Virginia United States
University of Richmond Virginia United States
Samford University Alabama United States
The University of Alabama Alabama United States
Loyola University of Chicago Illinois United States
Phillips Beth Israel School of Nursing New York United States
Jefferson College of Health Sciences Virginia United States
University of Missouri - Columbia Missouri United States
Missouri University of Science and Technology Missouri United States
University of Nebraska - Lincoln Nebraska United States
Dartmouth College New Hampshire United States
Oberlin College Ohio United States
Arcadia University Pennsylvania United States
Bryn Mawr College Pennsylvania United States
Bucknell University Pennsylvania United States
Chatham University Pennsylvania United States
Southern Methodist University - SMU Texas United States
University of Nebraska Medical Center Nebraska United States
University of Central Florida Florida United States
Loyola University Maryland Maryland United States
Simmons College Massachusetts United States
Smith College Massachusetts United States
Stonehill College Massachusetts United States
Suffolk University Massachusetts United States
Mount Sinai School of Medicine New York United States
Baruch College of the City University of New York New York United States
Davidson College New York United States
Elon University North Carolina United States
Samuel Merritt University California United States
Kettering College Ohio United States
University of Kansas Kansas United States
University of Dayton Ohio United States
Lafayette College Pennsylvania United States
Lehigh University Pennsylvania United States
University of Massachusetts Amherst - UMass Amherst Massachusetts United States
Wellesley College Massachusetts United States
Bon Secours Memorial College of Nursing Virginia United States
Oregon State University Oregon United States
Pacific University Oregon United States
Widener University - Main Campus Pennsylvania United States
Philadelphia College of Osteopathic Medicine Pennsylvania United States
University of the Sciences Pennsylvania United States
Philadelphia University Pennsylvania United States
Williams College Massachusetts United States
Worcester Polytechnic Institute Massachusetts United States
Robert Morris University Pennsylvania United States
Saint Francis University Pennsylvania United States
Swarthmore College Pennsylvania United States
Temple University Pennsylvania United States
University of Pennsylvania (including Wharton) Pennsylvania United States
Seattle Pacific University Washington United States
University of Washington- Seattle Washington United States
Washington State University Washington United States
University of Minnesota - Twin Cities Minnesota United States
University of the Potomac DC United States
Emory University Georgia United States
Centre College Kentucky United States
University of Maryland - Baltimore Maryland United States
University of Maryland - College Park Maryland United States
University of Maryland - Baltimore County Maryland United States
University of Scranton Pennsylvania United States
The Citadel Pennsylvania United States
Bates College Maine United States
Bowdoin College Maine United States
Colby College Maine United States
University of New England Maine United States
University of Maine Maine United States
University of Wyoming Wyoming United States
Georgia Institute of Technology - Georgia Tech Georgia United States
Amherst College Massachusetts United States
The New School New York United States
Clemson University South Carolina United States
College of Charleston South Carolina United States
Providence College Rhode Island United States
Medical University of South Carolina South Carolina United States
DeSales University Pennsylvania United States
Trinity University Texas United States
University of Texas at Austin - UT Austin Texas United States
The University of Texas Health Science - San Antonio Texas United States
Brigham Young University – Provo | BYU Utah United States
Marquette University Wisconsin United States
University of Wisconsin - Madison Wisconsin United States
University of Colorado Denver Colorado United States
Oregon Health & Science University Oregon United States
California State University - Long Beach California United States
California Polytechnic State University-San Luis Obispo - Cal Poly California United States
San Diego State University - SDSU California United States
Mercer University Georgia United States
Indiana University - Bloomington Indiana United States
Babson College Massachusetts United States
Bentley University Massachusetts United States
Boston College Massachusetts United States
Lesley University Massachusetts United States
Massachusetts College of Pharmacy & Health Sciences Massachusetts United States
University of Utah Utah United States
Western Washington University Washington United States
Whitman College Washington United States
Whitworth University Washington United States
University of Colorado at Colorado Springs Colorado United States
Baylor College of Medicine Texas United States
The University of Texas Health Science Center at Houston Texas United States
University of California - Irvine California United States
University of California - Los Angeles - UCLA California United States
University of California - Riverside California United States
University of California - San Francisco - UCSF California United States
University of California - Santa Cruz California United States
Grand Valley State University Michigan United States
University of Windsor Ontario Canada
Yeshiva University New York United States
Massachusetts Institute of Technology - MIT Massachusetts United States
Mount Holyoke College Massachusetts United States
The University of Texas Medical Branch Texas United States
University of Waterloo Ontario Canada
University of Toronto Ontario Canada
Western University - University of Western Ontario Ontario Canada
Queens University at Kingston Ontario Canada
Carleton University Ontario Canada
University of Guelph Ontario Canada
York University Ontario Canada
McMaster University Ontario Canada
Wilfrid Laurier University Ontario Canada
Brock University Ontario Canada
Lakehead University Ontario Canada
Centra College of Nursing Colorado United States
Rosalind Franklin University of Medicine and Science Illinois United States
Midwestern University Illinois United States
Brandeis University Massachusetts United States
Clark University Massachusetts United States
Howard University DC United States
Hamilton College New York United States
Rensselaer Polytechnic Institute New York United States
Edgewood College Wisconsin United States
Michigan State University Michigan United States
Michigan Technological University Michigan United States
Toronto Metropolitan University Ontario Canada
Trent University Ontario Canada
University of Alberta Alberta Canada
University of Calgary Alberta Canada
Purdue University Indiana United States
University of Notre Dame Indiana United States
Valparaiso University Indiana United States
College of the Holy Cross Massachusetts United States
Emerson College Massachusetts United States
College of William and Mary Virginia United States
University of Virginia Virginia United States
The University of Virginia s College at Wise Virginia United States
Virginia Polytechnic Institute and State University Virginia United States
Washington and Lee University Virginia United States
Catholic University of America DC United States
University of Arkansas for Medical Sciences Arkansas United States
Biola University California United States
Colorado College Colorado United States
Colorado School of Mines Colorado United States
Colorado State University-Fort Collins California United States
University of Georgia Georgia United States
University of Hawaii at Manoa Hawaii United States
University of Detroit Mercy Michigan United States
Carleton College Minnesota United States
A. T. Still University of Health Sciences Missouri United States
St Louis College of Pharmacy Missouri United States
Saint Louis University-Main Campus Missouri United States
University of New Hampshire New Hampshire United States
Rowan University New Jersey United States
University of Lethbridge Alberta Canada
University of Ottawa Ontario Canada
Chapman University California United States
Claremont Graduate University California United States
Claremont McKenna College California United States
Harvey Mudd College California United States
University of San Francisco California United States
Santa Clara University California United States
DePaul University Illinois United States
Hunter College of the City - University of New York New York United States
Clarkson University New York United States
Colgate University New York United States
Sentara College of Health Sciences Virginia United States
California Institute of Technology California United States
University of La Verne California United States
Loma Linda University California United States
University of Colorado at Boulder Colorado United States
University of Denver Colorado United States
Connecticut College Connecticut United States
Fairfield University Connecticut United States
University of St. Thomas Minnesota United States
Saint Francis Medical Center College of Nursing Illinois United States
Bellin College Wisconsin United States
Goldfarb School of Nursing at Barnes-Jewish College Missouri United States
Research College of Nursing Missouri United States
Bryan College of Health Sciences Nebraska United States
Nebraska Methodist College of Nursing and Allied Health Nebraska United States
Montclair State University New Jersey United States
New Jersey Institute of Technology New Jersey United States
Princeton University New Jersey United States
Seton Hall University New Jersey United States
Stevens Institute of Technology New Jersey United States
The College of New Jersey New Jersey United States
Nova Southeastern University Florida United States
Pitzer College California United States
Pomona College California United States
Scripps College California United States
University of Southern California - USC California United States
University of the Pacific California United States
University of Connecticut - Uconn Connecticut United States
Barnard College New York United States
Occidental College California United States
Quinnipiac University Connecticut United States
Trinity College Connecticut United States
Northwestern University Illinois United States
Louisiana State University - LSU Louisiana United States
Loyola University New Orleans Louisiana United States
Stetson University Florida United States
Adelphi University New York United States
New York Institute of Technology - Old Westbury New York United States
New York Law School New York United States
North Carolina State University North Carolina United States
University of Hartford Connecticut United States
Wesleyan University Connecticut United States
Yale University Connecticut United States
Illinois State University Illinois United States
Macalester College Michigan United States
University of Iowa Iowa United States
Drake University Iowa United States
Iowa State University Iowa United States
University of Northern Iowa Iowa United States
Grinnell College Iowa United States
St Luke s College Iowa United States
Allen College Iowa United States
Des Moines University-Osteopathic Medical Center Iowa United States
American University of Antigua (AUA) College of Medicine New York United States
Manhattan College New York United States
Truman State University Missouri United States
Saint Mary s College of California California United States
University of South Dakota South Dakota United States
Seton Hill University Pennsylvania United States
University of Arizona Arizona United States
Northeastern University Canada Ontario Canada
Jones Graduate School of Business (Rice University) Texas United States
University of Houston Texas United States
University of Idaho Idaho United States
University of Kentucky Kentucky United States
University of Louisville Kentucky United States
University of Massachusetts-Lowell Massachusetts United States
University of North Carolina Wilmington North Carolina United States
University of Rhode Island Rhode Island United States
University of Saint Joseph Connecticut United States
Appalachian State University North Carolina United States
Berry College Georgia United States
Bradley University Illinois United States
California State University Maritime Academy California United States
Calvin College Michigan United States
Cooper Union for the Advancement of Science and Art New York United States
Dordt College Iowa United States
High Point University North Carolina United States
La Salle University Philadelphia United States
Maine Maritime Academy Maine United States
Massachusetts Maritime Academy Massachusetts United States
Northwestern College Iowa United States
Ohio Northern University Ohio United States
Rollins College Florida United States
Taylor University Indiana United States
United States Merchant Marine Academy New York United States
William Jessup University California United States
Depauw University Indiana United States
Furman South Carolina United States
Texas Tech University Texas United States
CUNY City College New York United States
Florida International University Florida United States
Indiana University-Purdue University-Indianapolis Indiana United States
Kansas State University Kansas United States
Oklahoma State University-Main Campus Oklahoma United States
St John s University-New York New York United States
Towson University Maryland United States
University of Alabama at Birmingham Alabama United States
University of Arkansas Arkansas United States
University of Cincinnati-Main Campus Ohio United States
INSEAD - Singapore start 1 Ayer Rajah Ave Singapore
INSEAD - France start Paris France
Florida Atlantic University Florida United States
California State University - Fullerton California United States
California State University - Los Angeles California United States
Gannon University Pennsylvania United States
Bryant University Rhode Island United States
The University of Texas Rio Grande Valley Texas United States
University of New Brunswick New Brunswick Canada
University of Saskatchewan Saskatoon Canada
Dalhousie University Nova Scotia Canada
University of California College of Law San Francisco United States
New York Medical College New York United States
Columbia College of Nursing Wisconsin United States
University of Manitoba Manitoba Canada
University of Victoria British Columbia Canada

What others say about us

American Banker

Best Fintech to Work for in 2018, 2019, 2020, 2021 and 2022

We’re proud to be one of the best fintech’s to work for five years in a row!

9fd05fb70a4fb905ffe8a58419d1e0c2

Top Midsize Company in Greater D.C.

On the corporate diversity index ranked #1 for midsize companies in greater D.C.

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Rated Best International Student Loan by Nerdwallet

Best for international students without a cosigner.

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Fantastic Service Reviews from Customers

96% of our customers report being “happy” or “satisfied” with our level of service.

Frequently Asked Questions

Our most common funding-related questions and answers.

Yes, we currently lend to students from more than 200 countries who attend one of the schools we support in the U.S. or Canada.

Though we are committed to assisting students around the world, certain restrictions prevent us from lending to citizens of a small number of countries. To see if you are eligible to apply, check your eligibility here!

We do not currently lend to students attending any schools outside of the U.S. or Canada.

MPOWER Loans can be used for all school education-related expenses, including, but not limited to: tuition, books, meal plans, housing, and health insurance when studying in the U.S. Please reach out to your school’s financial aid office if you plan to use the funds for anything other than tuition. Funds are sent directly to your school, so it is up to your school to provide the appropriate funds to you. Some schools may not accept funds for non-school approved items.

Because you must already be enrolled at an eligible school before your loan application can be approved, an MPOWER Student Loan can not be used to pay school application fees.

U.S. SCHOOLS
Upon final credit approval, MPOWER is able to issue support letters to assist our applicants with the visa process at no cost. The Support Letter should be provided to the school in order to receive the I-20.

To summarize, you must:
1. Receive acceptance to the school and apply for an MPOWER Student Loan
2. Receive the Support Letter from MPOWER following your loan’s approval and acceptance
3. Provide the Support Letter to the school and receive the I-20 form
4. Include the I-20 form in your visa application with the U.S. government

Note: You must provide MPOWER with the required immigration documentation before your loan can be disbursed.

CANADIAN SCHOOLS
Your MPOWER loan acceptance letter can help prove that you have enough funds to support your education.

To summarize, you must:
1. Receive acceptance to the school and apply for an MPOWER Student Loan
2. Receive your MPOWER loan acceptance document following your loan’s approval and acceptance
3. Include the loan acceptance letter in your visa application with the Canadian government

Note: You must provide MPOWER with the required immigration documentation before your loan can be disbursed.

Ready to apply
for funding?

Start my application