“I am an F1 international student currently pursuing a graduate degree in Texas. I need an education loan, but I don't have anyone in the U.S. who can co-sign for me. What financial institutions or programs offer student loans to international graduate students without a U.S. co-signer?”
F-1 status prevents you from using ordinary federal student loans, but it does not eliminate every borrowing route. Prodigy is the strongest current no-cosigner lead; Juno and Texas CAL may work only if you meet their narrower conditions.
You have three conditional no-U.S.-cosigner routes, while three commonly suggested alternatives do not currently work for your situation.
This is the broadest live match found: Prodigy offers international-student loans without collateral or a co-signer, advertising up to USD 220,000 and a starting 10.75% . You must be admitted to a supported school and programme, study abroad, reside in a supported country, and fall within the regions currently open for your intake (Prodigy Finance product and eligibility pages).
Juno’s 2026 international deal advertises no co-signer, collateral, origination fee, or prepayment fee. Its current public form lists only Canada, India, Mexico, or South Korea and MBA, LLM, or Engineering; it says applicants whose nationality, degree, or university is absent are not currently eligible (Juno international no-cosigner page).
This route applies only if your institution gives you a , you attend at least half time in an eligible graduate programme, and you receive a favorable credit evaluation. If you do not pass credit, CAL requires a qualifying co-signer; the current fixed annual rate is 6.30% (Texas College Access Loan program).
Although MPOWER advertises no co-signer and no collateral, it currently says it cannot offer new loans for 2026. You can join its waitlist, but it is not an immediate funding source (MPOWER Financing).
F-1 status alone does not make you an for federal Title IV aid: the 2026–27 Federal Student Aid Handbook expressly lists F-1 student visas among ineligible nonimmigrant categories (Federal Student Aid Handbook, updated 2026-08-17).
Ascent states that international students attending U.S. universities must have a creditworthy co-signer, who must be a U.S. citizen or permanent resident. It therefore does not solve your no-U.S.-cosigner problem (Ascent international-student loan page).
Every private or state loan remains subject to school certification, underwriting, available funding, and the final loan agreement.
These steps screen the conditional routes first, then submit applications only where your facts match the published rules.
Before applying
Write down your eligibility facts
Use these same facts for every screening so you compare the same academic period and funding gap. Your university name alone is insufficient because Prodigy and Juno screen the specific programme or university, while CAL uses your institution’s residency classification.
Requirements
First live route
Apply to Prodigy Finance
Create an account at https://accounts.prodigyfinance.com/customers/create-account?returnTo=https://student.prodigyfinance.com and submit the requested academic and financial information. A is nonbinding and valid for 14 days; after funding is allocated, accepting requires the stated USD 500 processing fee, and Prodigy sends the funds directly to your school.
Requirements
Texas-only branch
Apply for CAL only if both tests are met
Apply at https://www.hhloans.com/apply-online/ only if all three conditions fit. The published fixed annual rate is 6.30%; the official CAL page does not state a universal application fee or single statewide deadline, and it does not expressly resolve every F-1 scenario.
Requirements
Narrow second route
Join Juno only if every listed category matches
Join at https://joinjuno.com/join if all three requirements match. The public no-cosigner page states no origination or prepayment fees and no collateral, but it does not publish the lending partner, available amount, personalized rate, or full supported-school list.
Requirements
Not for new 2026 funding
Use MPOWER only as a future backup
Join the waitlist at https://app.mpowerfinancing.com/eligibility if you may need funding for a later term. MPOWER says it has reached its funding capacity and is temporarily unable to offer new loans for 2026.
You are not the first to go through this. Here is how it went for others who asked the same thing.
u/EnthusiasmPossible75r/InternationalStudentsAug 30, 2026
u/Adorable-Shallot261r/InternationalStudentsJan 24, 2026
u/Ambitious-Taste-6408r/f1visaSep 24, 2025
The answer comes from the lenders’ own eligibility and product pages, the Texas Higher Education Coordinating Board’s CAL rules, and the U.S. Department of Education’s Federal Student Aid Handbook.
Prodigy Finance international student loan
Prodigy advertises international-student loans without a co-signer or collateral and publishes its headline amount and starting variable rate.
Prodigy Finance gives international students loans for study abroad without a co-signer or collateral* - because your potential shouldn't depend on who you know or what you already own. Borrow up to $220,000 ¹ with no collateral needed. No co-signer education loans for international students starting from 10.75%* variable interest rate, tailored to your future earning potential.
Prodigy Finance eligibility rules
Prodigy eligibility depends on the exact programme, study-abroad plan, residence, and currently open region.
To qualify (subject to affordability checks), you must: Be admitted to a supported school and programme Be planning to study abroad Reside in a supported country. For Fall 2026 & Spring 2027, applications are open only to students from selected regions.
Prodigy Finance application process
Prodigy explains its offer period, processing fee, and direct payment to the school.
You'll receive a non-binding provisional offer valid for 14 days. Once your funding has been allocated, you'll need to accept the offer, and pay a USD 500 processing fee, to finalise your loan. Funds are then sent directly to your school.
Prodigy Finance repayment terms
Prodigy imposes an admin fee and in-school payments but permits penalty-free early repayment.
Our admin fee is 4.2% of the loan amount. Full-time students: Pay USD 100 per month during your studies and the 6-month grace period after your course ends. Full repayments begin after the 6-month grace period. You can repay your loan early at any time, with no penalties or extra fees.
Juno 2026 international loan deal
Juno states that its international-student offering is live for Fall 2026 and future semesters such as Spring 2027.
🎉 Our 2026 international deal is live. Whether you need a loan for Fall 2026, or for a future semester like Spring 2027, you can take a look at your options now.
Juno international no-cosigner eligibility
Juno offers a no-cosigner structure only to applicants matching its presently listed nationalities, degrees, and universities.
No origination or prepayment fees. No collateral needed. And of course, no co-signer needed. What’s your nationality? Nationality Canada India Mexico South Korea. What’s your degree? Degree MBA LLM Engineering. Don’t see your nationality, degree or university? Then you’re not eligible at the moment, unfortunately.
MPOWER international student loan notice
MPOWER’s normal no-cosigner product is not available for new 2026 loans.
We have reached our current funding capacity and are temporarily unable to offer new loans for 2026. No cosigner. No collateral.
Texas College Access Loan Program
CAL can avoid a co-signer only when the student satisfies its Texas-residency and credit requirements.
Be classified by the institution as a Texas resident. Receive a favorable credit evaluation or provide a cosigner who has good credit standing and meets other requirements. Be a U.S. citizen or a permanent U.S. resident and reside in the U.S. or in a U.S. territory. Interest is currently a fixed annual rate of 6.30%.
2026–27 Federal Student Aid Handbook, Vol. 1, Ch. 2
Federal Student Aid expressly identifies F-1 visas as generally ineligible for Title IV federal student aid.
Vol. 1, Ch. 2, Eligible and Ineligible Visa Categories
Nonimmigrant visas are generally held by those with work visas and by students, visitors, and foreign government officials. These visas do not convey eligibility for Title IV funds unless the student has a Form I-94 with one of the endorsements given in the eligible document section, or a T Visa as a victim of a severe form of trafficking. Ineligible nonimmigrant visa categories include (but are not limited to) the F-1, F-2, or M-1 Student Visas;
Ascent international student loan eligibility
Ascent requires international students to use a qualifying U.S. co-signer.
International students attending U.S. universities are also required to have a creditworthy cosigner for Ascent student loans. Be a U.S. citizen or U.S. permanent resident.
These are the official government, program, and provider rules published or updated on the dates shown; eligibility and terms can change.
This is general information about official processes and lender rules, not legal or financial advice; SettleKit is not a law firm.
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