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COLLEGE LOANS FOR INTERNATIONAL STUDENTS Fixed interest rates with flexible loan amounts ($2,001 to $50,000 USD total) that can cover tuition, school supplies, and living expenses for future semesters or past due balances.. Supports all majors and degrees. No requirement for a cosigner, collateral, or credit history. Enjoy interest-only payments while in school and during the 6-month post-graduation grace period. SCHOLARSHIPS FOR INTERNATIONAL STUDENTS The application for the next scholarship round closes July 20, 2021. Click here to apply or follow our most recent winners here. MPOWER is excited to announce a series of Monthly Scholarships this summer! MPOWER will be awarding $8,000 this summer to support 12 international students in funding their educational dreams.SCHOOLS WE SUPPORT
If you qualify for discounts, your payments would work as follows: For a loan amount of $10,000 at an interest rate of 11.99% (11.60% APR¹), your monthly interest-only payment would be $100.54 for the first six months and $96.16 for the next eight months. CHECK YOUR STUDENT LOAN ELIGIBILITY In addition to providing funding, MPOWER also supports you with: Your visa / I-20 application – once you're approved for a loan, we are able to provide you with a support letter free of charge; Your US credit history: US credit history allows you to access a larger amount of financial products including credit cards.It also makes it easier to secure off-campus housing, rent a car, and many INTERNATIONAL STUDENT’S GUIDE TO THE US HEALTHCARE SYSTEM International students should pay particular attention to this because a typical treatment in the US can cost 2 or 3 times – or even more – for that same treatment back home. The average emergency room visit can cost over $1,000 without insurance, and an ambulance ride in the US costs about the same. In fact, many US citizens struggle to WOMEN IN STEM SCHOLARSHIPS In keeping with MPOWER’s commitment to empower high-potential global citizens to realize their educational aspirations — and become tomorrow’s leading scientists and innovators — this scholarship program focuses on women who will use their STEM degree to benefit society and the planet and who have the potential to serve as role models and advocates for women in STEM.REPAYMENT TERMS
The remaining months of repayment are calculated using a 120-month amortization schedule. All payments are made on-time, a forbearance is never utilized, and there is no pre-payment of any principal. At an APR of 14.98%, the monthly payment amount is $122. For the next 120 months, the monthly payment amount is $163. LOAN APPLICATION & APPROVAL PROCESS Loan Application & Approval Process. Learn more about the loan application process and what happens after your loan is approved. CAN I GET A SOCIAL SECURITY NUMBER AS AN INTERNATIONAL The answer is that you can definitely apply for a social security number (SSN) as an F-1 or M-1 visa student. The process of applying for an SSN may sound complicated and tedious; however, if you read this carefully, you can apply and get your SSN without wasting time and energy. Of course, you need to get a job in order to apply for anSSN.
STUDENT LOANS FOR INTERNATIONAL STUDENTS We're the best partner for international students in North America! A loan without a cosigner, collateral, or U.S. credit history. Fixed-rate loans from $2,001 to $50,000 total with up to 1.50% in interest rate discounts. Loans and scholarships offered to 190+nationalities.
COLLEGE LOANS FOR INTERNATIONAL STUDENTS Fixed interest rates with flexible loan amounts ($2,001 to $50,000 USD total) that can cover tuition, school supplies, and living expenses for future semesters or past due balances.. Supports all majors and degrees. No requirement for a cosigner, collateral, or credit history. Enjoy interest-only payments while in school and during the 6-month post-graduation grace period. SCHOLARSHIPS FOR INTERNATIONAL STUDENTS The application for the next scholarship round closes July 20, 2021. Click here to apply or follow our most recent winners here. MPOWER is excited to announce a series of Monthly Scholarships this summer! MPOWER will be awarding $8,000 this summer to support 12 international students in funding their educational dreams.SCHOOLS WE SUPPORT
If you qualify for discounts, your payments would work as follows: For a loan amount of $10,000 at an interest rate of 11.99% (11.60% APR¹), your monthly interest-only payment would be $100.54 for the first six months and $96.16 for the next eight months. CHECK YOUR STUDENT LOAN ELIGIBILITY In addition to providing funding, MPOWER also supports you with: Your visa / I-20 application – once you're approved for a loan, we are able to provide you with a support letter free of charge; Your US credit history: US credit history allows you to access a larger amount of financial products including credit cards.It also makes it easier to secure off-campus housing, rent a car, and many INTERNATIONAL STUDENT’S GUIDE TO THE US HEALTHCARE SYSTEM International students should pay particular attention to this because a typical treatment in the US can cost 2 or 3 times – or even more – for that same treatment back home. The average emergency room visit can cost over $1,000 without insurance, and an ambulance ride in the US costs about the same. In fact, many US citizens struggle to WOMEN IN STEM SCHOLARSHIPS In keeping with MPOWER’s commitment to empower high-potential global citizens to realize their educational aspirations — and become tomorrow’s leading scientists and innovators — this scholarship program focuses on women who will use their STEM degree to benefit society and the planet and who have the potential to serve as role models and advocates for women in STEM.REPAYMENT TERMS
The remaining months of repayment are calculated using a 120-month amortization schedule. All payments are made on-time, a forbearance is never utilized, and there is no pre-payment of any principal. At an APR of 14.98%, the monthly payment amount is $122. For the next 120 months, the monthly payment amount is $163. LOAN APPLICATION & APPROVAL PROCESS Loan Application & Approval Process. Learn more about the loan application process and what happens after your loan is approved. CAN I GET A SOCIAL SECURITY NUMBER AS AN INTERNATIONAL The answer is that you can definitely apply for a social security number (SSN) as an F-1 or M-1 visa student. The process of applying for an SSN may sound complicated and tedious; however, if you read this carefully, you can apply and get your SSN without wasting time and energy. Of course, you need to get a job in order to apply for anSSN.
COLLEGE LOANS FOR INTERNATIONAL STUDENTS Fixed interest rates with flexible loan amounts ($2,001 to $50,000 USD total) that can cover tuition, school supplies, and living expenses for future semesters or past due balances.. Supports all majors and degrees. No requirement for a cosigner, collateral, or credit history. Enjoy interest-only payments while in school and during the 6-month post-graduation grace period. CONTACT US - MPOWER FINANCING For immediate questions, call us at +1-202-417-3800 (U.S.), +1-647-503-4607 (Canada) or +91-974-099-3115 (India). WeChat –微信 (China)
ABOUT US - MPOWER FINANCING Manu is a former Engagement Manager at McKinsey & Company, where he focused on Global Financial Inclusion and U.S. mass-market banking. He has worked with top financial institutions in the U.S., Europe, and Africa. Prior to McKinsey he worked in marketing strategy and LOGIN TO YOUR ACCOUNT It seems that you have an account with that email address. Login and refer your friends directly from your dashboard. This way, we can track which of your referrals take out a loan with MPOWER PLANNING TO STUDY IN THE USA OR CANADA? FIND A SCHOOL The MPOWER Advantage. Meet top schools and receive personalized advice that matches your background and interests. Get support every step of the way: from finding your dream school, completing your online profile, to immigration tips, financing options, and more. Received personalized support from our global network of professionalconsultants.
REPAYMENT TERMS
The remaining months of repayment are calculated using a 120-month amortization schedule. All payments are made on-time, a forbearance is never utilized, and there is no pre-payment of any principal. At an APR of 14.98%, the monthly payment amount is $122. For the next 120 months, the monthly payment amount is $163. GLOBAL CITIZEN SCHOLARSHIP Winners' stories 2. “I am so grateful to MPOWER Financing for truly empowering international students through the Global Citizen Scholarship. Apart from the many challenges, one faces as an international student, funding one’s education can be daunting, to say the least—especially if you are from a MPOWER WOMEN IN STEM SCHOLARSHIP WINNERS INCLUDE CREATIVE Zaina is a Ph.D. candidate in Rehabilitation Sciences at the MGH Institute of Health Professions in Boston, Massachusetts. Her background as a speech therapist and director of the Research and Innovation Program Phi Science Institute in Jordan is a great testament to her drive and experience in the field.. Her current passion for children and language development began during herundergraduate
CAREERS - MPOWER FINANCING As a public benefit corporation, we measure ourselves on the impact we have on our society, not solely on our business goals. We’re looking for talented and passionate team members to join the MPOWER family around the globe. If our mission resonates with you, come and join us! We value disconnecting from the office to recharge our batteries. CAN I GET A SOCIAL SECURITY NUMBER AS AN INTERNATIONAL The answer is that you can definitely apply for a social security number (SSN) as an F-1 or M-1 visa student. The process of applying for an SSN may sound complicated and tedious; however, if you read this carefully, you can apply and get your SSN without wasting time and energy. Of course, you need to get a job in order to apply for anSSN.
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Learn More Get Started WE’RE NOT LIKE OTHER LENDERS We’re a social benefit corporation founded by international students for international students, and we’re on a mission to make socioeconomic mobility borderless. That’s why we make our loan decisions based on your potential and not your family’s income or assets. We’re excited to fund your dreams!WHY MPOWER?
We're the best partner for international students in North America! __ SECURED ON YOUR FUTURE A loan without a cosigner, collateral, or U.S. credit history. __ FLEXIBLE FUNDING OPTIONS Fixed-rate loans from $2,001 to $50,000 total with up to 1.50% in interest rate discounts. __ MADE FOR GLOBAL CITIZENS Loans and scholarships offered to 190+ nationalities. __ WE SUPPORT YOUR JOURNEY Free visa support letters and exclusive career strategy services. PATHWAY TO A BETTER YOU Take the first step in one of our three programs designed specifically for international students.__ Get A Loan
__ Apply for Scholarships __ Join our Path2Success career services programSUMEI X.
Jiangsu, China,
Boston University
Read Full Story
SUMEI X.
Jiangsu, China,
Boston University
Originally from Jiangsu, Sumei came to Shanghai to attend college. She studied computer science and worked diligently to improve her English, but says she was “extremely shy” and lacked confidence. After college, she took a job as a technical support specialist for Citibank, but she found herself restless for an opportunity to “see the world.” When she learned about the au pair program, she jumped at the opportunity, believing it would help her improve her English, learn about American culture, and gain self-confidence. (The au pair program is a U.S. government program that grants visas to foreign nationals who are placed with American families to provide childcare while learning about U.S. culture and customs.) Sumei was surprised by some of the challenges she encountered as an au pair. “I thought my English was pretty good,” she said, “and it was—by Chinese standards. But while I could read and write it fairly well, speaking was a real challenge. Beyond the language itself, there’s also a big difference in communication styles. Chinese people tend to be more indirect, while Americans are more straightforward. It took me a while to adjust.” Working as an au pair also gave her a taste of the American educational system. “I was so impressed by the projects that the children I worked with did at school. Unlike in China, their schooling focused on critical thinking, not rote memorization.” That experience inspired Sumei to continue her education in the U.S. When she received the news that she had been accepted to the Master of Computer Science program at Boston University, Sumei was elated. However, she soon realized her savings were woefully inadequate. She considered applying for a loan from a Chinese bank, but there were no Chinese banks willing to lend without a mortgage on her parents’ house. She was also reluctant to ask her parents for help. Fortunately, her online research quickly led her to MPOWER and, as a result, she was able to cover her funding shortfall. Sumei doesn’t know just what the future will bring, but it’s already looking bright. She has a great software engineering internship lined up this summer, and she’s hopeful this will turn into a full-time job offer. Her time in the U.S. has provided other dividends as well. “One of the goals I set for myself when I first arrived was to gain self-confidence,” she said, “and I definitely have. Now I’m comfortable speaking in English with a wide variety of people. I’m so grateful for all of the new experiences I’ve had, and I’ve learned so much about myself and about the world.”SUCCESS STORIES
1.
Sumei worked as a technical support specialist for Citibank in Shanghai, but the opportunity to improve her English and “see the world” led her to an au pair position in New York City. She later decided to pursue a Master’s degree in computer science in the U.S. but found her savings woefully inadequate. MPOWER came through with a loan, and Sumei now has a great internship as a software engineer!SRIJAN B.
Calcutta, India,
Stevens Institute of TechnologyRead Full Story
SRIJAN B.
Calcutta, India,
Stevens Institute of Technology Srijan started his career as a programmer/analyst at a multinational IT firm in India. It was a good job by Indian standards, but he soon found himself frustrated. “I was working on just a small little section of code at a time,” he recalls, “but I never had a chance to understand how my code would affect the business as a whole. So, I decided to come to the U.S. and get a master’s degree that would allow me to improve my technical skills and gain a thorough understanding of business process management.” He decided on the Master of Science in Information Systems at the Stevens Institute of Technology in New Jersey, but was concerned about the cost. “I had some assistance from my parents and my student loan back in India, and I also secured a paid internship at the New York City Department of Finance, which not only helped with day-to-day expenditures, but was also a dream come true!” Srijan says. “But the impending semester fees were still keeping me up at night. Then he came across MPOWER’s website. “I was so relieved,” he remembers. “MPOWER was the only company that was willing to provide a loan without collateral, which was so important to me, since I didn’t want to rely on family.” Now, Srijan is sleeping much better at night. “My MPOWER loan solved my financial troubles,” he says, “and enabled me to focus on mystudies.”
His degree enabled him to get a job in his field, as a business analyst for MarketAccess, a financial services company that focuses on bond trading. Srijan is particularly excited about the firm’s “social initiatives, which seek to create long term value for both its stakeholders and the society in general. As a Business Analyst at MarketAxess, I hope to collaborate with the IT and Business side of the company and enable them build the technology needed to fuel theseendeavors.”
Srijan expects his MPOWER-financed degree to yield long-term benefits. “My job will enable me not only to pay off my loans, but also to allow my parents to retire early. Ten years from now, I see myself working in an executive level partner/ position in a company that works towards creating an impact in people’s lives through technology. It is what drew me towards my internship as well, where I do work that directly benefits millions of people living in the cityof New York.”
“For me,” he says, “my sense of personal fulfillment stems from my desire to help people collaborate and achieve their goals. I hope that the experience and skills that I pick up along the way will helpme achieve that.”
SUCCESS STORIES
2.
When Srijan started his degree program at Stevens Institute of Technology, financial struggles—and worries about burdening his family—kept Srijan up at night. Now, with MPOWER’s help, he’s finishing his degree and starting a great job in financial services. And instead of burdening his parents, his job will enable them toretire early!
SIMONA S.
Malta,
MBA, California State University, Long Beach (CSULB)Read Full Story
SIMONA S.
Malta,
MBA, California State University, Long Beach (CSULB) Born in Libya to Czech and Slovak parents, and raised in Malta, Simona is the epitome of a global citizen – and her career reflects that. Simona began her career as a marketing executive for a local importer and distributor for Porsche, Audi, and VW; part of her job was to organize “super cool product launches.” Later, she put her cross-culture and language skills to use for a Czech start-up looking to expand in Malta, setting up their Maltese operations in just threemonths!
But she soon realized she needed an MBA to take her career to the next level, and she decided that she really wanted to do an MBA program in the U.S. “I was intrigued by the slightly different educational system and way of life,” she recalls, “and I fell in love with California and the American dream.” She was elated to have the opportunity to live her dream in California when she was accepted by CSULB. But while she was initially able to finance her degree with her hard-earned savings, Simona soon found that she had a funding shortfall. As a result, Simona faced the daunting task of securing a student loan. She soon realized that she would have to “get on board with the credit thing” if she wanted to stay in the U.S. and finish her degree. “It was a new concept to me,” she said. “Education loans aren’t common in Malta, and I’d never applied for a loanbefore.”
She was surprised to find that lenders in the U.S. required a co-signer. She was reluctant to involve her parents and was therefore relieved when her research led her to MPOWER. “I was very happy with MPOWER’s level of service, their ability to answer my questions, and their transparency, and I was all set to proceed. But, as life would have it, CSULB wasn’t on their list of partner schools. Rather than giving up, though, I saw this as a challenge. I initiated talks between my school’s financial aid office and MPOWER, and lo and behold, here we are today! CSULB is now an MPOWER partner school—proof that persistence pays off.” After completing her MBA, she hopes to work at the intersection of marketing, management, and business development in the healthcare field, possibly in a role that incorporates corporate social responsibility. “I come from a family of medical practitioners,” she said, “and I find the business, operational, regulatory, and research and development aspects of the industry reallyfascinating.”
Her advice to other international students is that “Limits are of our own construct, and obstacles are only such if you look at them that way. They are challenges to be overcome and they enable us to grow, so soldier on, because the world is limitless. In the end it’s always worth it and you can make it anywhere if you believe inyourself!”
SUCCESS STORIES
3.
Born in Libya to Czech and Slovak parents, and raised in Malta, Simona is the epitome of a global citizen – and her career, which has included setting up Maltese operations for a Czech start-up, reflects that. Faced with a funding shortfall that imperiled completion of her degree, Simona turned to MPOWER. Now, she’s on track to graduate and pursue a career in healthcare.KAYLEIGH R.
Cape Town, South Africa,Boston University
Read Full Story
KAYLEIGH R.
Cape Town, South Africa,Boston University
At her all-girls school in Cape Town, Kayleigh wasn’t exposed to computer science, so it was a surprise when her college advisor recommended that she take a course. But even more surprising was that she grew to love it. She eventually merged her newfound love of computer science with her longtime interest in genetics, earning an honors degree in Bioinformatics form the University of Cape Town. Kayleigh then accepted a job in clinical research, but she soon realized that her prospects were very limited. “Science just isn’t a priority in South Africa,” she says. Kayleigh decided she wanted to get exposure to the cutting-edge bioinformatics research in the U.S. by pursuing an advanced degree there—but when she looked into the cost, she got sticker shock. “One year of tuition in a U.S. Master’s program was more than four times the cost of my entire undergraduate education in South Africa!” she recalls. “I couldn’t ask that of my parents, who were about to retire. I received a $10,000 scholarship from Boston University, which was my top choice due to their strong industry orientation, and that helped. But I still had a big gap, and that’s where MPOWER came in. They really helped me through what could have been a very stressful process, even providing the visa support letterI needed.”
MPOWER’s loan enabled Kayleigh to pursue her educational goals—and that education has provided a boost to her career even greater than she imagined. A few months after arriving in Boston, she secured a coveted four-month internship at the Harvard T.H. Chan School of Public Health, where she analyzed the results of genomic research on ALS and other diseases. This internship yielded a full-time job offer—her “dream job”–after she received her Master of Science in Bioinformatics from Boston University in May 2017, graduating summa cum laude. A year later, when her boyfriend—who had received an MPOWER loan to pursue an Master of International Business at Tufts University—got a job in New York, Kayleigh made a move of her own. She’s now a computational biologist at Memorial Sloan Kettering Cancer Center, the largest and oldest private cancer center in the world, studying mutations in cancer that are acquired over time rather than inherited. Her research has important implications for improving surveillance protocols to monitor the risk of secondary disease after cancer therapy, particularly for children. “My MPOWER-financed degree opened up a whole new world of possibilities for me,” she says. “I’m excited to see what thefuture holds.”
SUCCESS STORIES
4.
When Kayleigh realized that a Master’s in the U.S. would cost four times her undergraduate degree in South Africa she didn’t know how she would pay for it. But then she came across MPOWER. Now, she’s a computational biologist at the world’s largest private cancer center, devising ways to make cancer treatments safer, particularlyfor children.
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MPOWER BY THE NUMBERS __ $100K+ in total scholarships awarded __ $2B+ loan applications processed __ 96% of customers rated themselves happy or satisfied __ 190+ eligible countries of citizenship __ 350+ U.S. and Canadian Schools supported WHAT OTHERS SAY ABOUT US BEST INTERNATIONAL STUDENT LOAN IN 2019 Plus, Best Lender With No Credit History Required in 2020. RATED BEST INTERNATIONAL STUDENT LOAN BY NERDWALLET Best for International Students without a Cosigner FANTASTIC CUSTOMER SERVICE Over 96% of our customers report being "happy" or"satisfied" BEST FINTECH TO WORK FOR 2018, 2019 AND 2020 We're proud to be one of the Best Fintech's to Work For for the thirdyear in a row!
BEST INTERNATIONAL STUDENT LOAN IN 2019 Plus, Best Lender With No Credit History Required in 2020. RATED BEST INTERNATIONAL STUDENT LOAN BY NERDWALLET Best for International Students without a Cosigner FANTASTIC CUSTOMER SERVICE Over 96% of our customers report being "happy" or"satisfied" BEST FINTECH TO WORK FOR 2018, 2019 AND 2020 We're proud to be one of the Best Fintech's to Work For for the thirdyear in a row!
BEST INTERNATIONAL STUDENT LOAN IN 2019 Plus, Best Lender With No Credit History Required in 2020. RATED BEST INTERNATIONAL STUDENT LOAN BY NERDWALLET Best for International Students without a Cosigner FANTASTIC CUSTOMER SERVICE Over 96% of our customers report being "happy" or"satisfied"* 1
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