When borrowing a loan in the U.S., you should consider the following: interest rate terms (ie: fixed or variable), fees, repayment incentives for the borrower, total cost, deferment and forbearance options, repayment timelines and flexibility.

Please note that many of these loans have annual and lifetime limits.  Even when using multiple loans, you may still be left with a gap.

A list of lenders who responded to the University’s Request for Information and offer private educational loans to international students may be found through the University’s Student Financial Service’s site. To begin reviewing their responses and search for a lender, please follow these 4 steps:

Harvard graduate and professional students are not required to use the lenders on this list.

Note: the Harvard T.H. Chan School of Public Health, like all of Harvard University, has no financial interest in your choice of lender.

Please feel free to contact us for more information at 617-432-1867 or by email at