Education loans for Sri Lankan students: Sri Lanka vs international lenders in 2026

1. Total number of Sri Lankan students in the U.S. (2023-2024): According to the Open Doors 2024 Report, 3,424 Sri Lankan students were enrolled in U.S. colleges and universities in the 2023/24 academic year, representing an approximate 10% year-over-year increase. This demonstrates that Sri Lankan students are successfully financing international education through various loan options.
2. Rapid growth in Canada (443% increase 2019-2023): The number of Sri Lankan students in Canada increased by 443% between 2019 and 2023, reaching 8,075 students, according to ICEF Monitor. This explosive growth reflects improved access to both Sri Lankan and international education financing options.
3. Average U.S. graduate program costs in LKR: The College Board reports average tuition of approximately US$11,950 (LKR 3.68 million) for public universities and US$45,000 (LKR 13.86 million) for private universities. Understanding these costs in LKR terms is crucial when evaluating whether to borrow in LKR or USD and assessing total family financial commitment.

Currency conversions are approximate and based on an exchange rate of XE.com exchange rates as of January 2026. Actual rates may vary.

Banks and finance companies in Sri Lanka offer education loans specifically designed for students studying abroad. These loans represent familiar territory for many Sri Lankan families accustomed to domestic banking relationships.

How Sri Lankan education loans work

Sri Lankan financial institutions evaluate loan applications based on criteria familiar to local families. They assess your academic record (GCE A-Level results, university GPA), the reputation of your university abroad, your family’s financial situation and most importantly, what property collateral or security you can provide.

Major Sri Lankan lenders:

Bank of Ceylon, Commercial Bank of Ceylon, Sampath Bank, DFCC Bank, Hatton National Bank (HNB), Nations Trust Bank, Seylan Bank

Collateral requirements:

Most Sri Lankan lenders require substantial property security. Land or buildings typically serve as collateral. The required collateral value often exceeds the loan amount, sometimes by 150-200% (collateral worth 1.5-2x the loan value).

Types of acceptable collateral:

• Residential property in Colombo or other cities
• Agricultural land with clear title from Land Registry
• Commercial property
• Fixed deposits (though most prefer property)
• Government bonds or securities (less common)

Cosigner/guarantor expectations:

Beyond property collateral, lenders usually require guarantors (typically parents) who have stable income and documented assets. Their financial profile undergoes detailed scrutiny including salary certificates, EPF statements, Inland Revenue Department tax returns and bank statements.

Disbursement in LKR:

Loans are sanctioned and disbursed in Sri Lankan Rupees. You or your family then convert these LKR to US dollars or Canadian dollars to pay tuition and expenses abroad, subject to foreign exchange regulations and approvals.

Interest rate structure:

Rates vary by lender but typically range from 8-14% annually (as of 2026). Many Sri Lankan loans use variable rates tied to the Awplr (Average Weighted Prime Lending Rate) set by the Central Bank of Sri Lanka, meaning your interest rate can increase if the Central Bank raises policy rates.

Loan tenure:

Typically 5-10 years repayment period after completion of studies, often with a grace period during studies and 6-12 months after graduation.

Advantages of Sri Lankan bank education loans

Familiar processes and language:

You’re working with banks you know, in processes you understand, using Sinhala, Tamil or English in ways familiar to Sri Lankan business culture. Documentation requirements, while extensive, follow patterns you’ve encountered before with other Sri Lankan banking transactions.

Local relationship banking:

If your family has existing relationships with a bank – maintained accounts for years, EPF through that bank, previous loans successfully repaid – this can sometimes facilitate approval or result in preferential interest rates. Long-standing customers may receive more favorable consideration than new applicants.

Family comfort level:

Many Sri Lankan parents prefer working with institutions they know and trust. The comfort of walking into a branch in Colombo, speaking with loan officers face-to-face and reviewing physical documents matters to families unfamiliar with digital-only international lenders.

Established Sri Lankan legal framework:

Loan agreements follow Sri Lankan legal frameworks governed by Sri Lankan commercial law. If disputes arise, you’re dealing with Sri Lankan legal systems, Sri Lankan courts and processes conducted in languages you understand rather than foreign jurisdictions.

Potential for relationship advantages:

Students whose families have significant deposits, business accounts or other valuable banking relationships may occasionally receive exceptions to standard requirements or preferential terms not available to typical applicants.

Challenges and limitations of Sri Lankan education loans

Property collateral barriers:

Not all Sri Lankan families own unencumbered property suitable for collateral. Many families:

• Rent their housing rather than own
• Inherited property jointly with siblings (making sole collateral difficult)
• Own property with existing mortgages (banks typically won’t accept already-mortgaged property)
• Own land in rural areas that banks undervalue or refuse to accept
• Are unwilling to risk multi-generational family property even if technically eligible

Students from families without significant property assets find Sri Lankan education loans difficult or impossible to access, regardless of outstanding GCE A-Level results or university admission quality.

Currency exchange rate risk (LKR to USD/CAD):

This is perhaps the most significant hidden risk in Sri Lankan bank education loans. You borrow in LKR but pay tuition and living expenses in USD or CAD. Exchange rate fluctuations between loan disbursement and when you need foreign currency can significantly affect affordability.

Real example scenario:

• Loan approved: LKR 15 million for US$50,000 education (at LKR 300 per USD)
• Six months later when tuition payment due: LKR depreciates to LKR 330 per USD
• Same LKR 15 million now buys only US$45,455 instead of US$50,000
• Shortfall: US$4,545 (LKR 1.5 million) that family must find additional funds to cover

The LKR/USD exchange rate varies substantially over time. Historical volatility means the amount of education your LKR loan can buy is uncertain until you actually convert funds.

Foreign exchange fees and regulations:

Converting LKR to USD for tuition payments involves:

• Bank foreign exchange margins (typically 1-3% above market rate)
• Wire transfer fees (US$25-50 per transfer)
• Exchange Control Department approvals for large amounts
• Documentation requirements for each foreign exchange transaction
• Time delays in obtaining foreign currency

These costs and frictions add 2-5% to your total education costs beyond the loan principal and interest.

Complex documentation requirements:

Sri Lankan bank education loans typically require extensive documentation submitted physically to bank branches:

• Property title deeds from Land Registry
• Property valuations from approved surveyors
• Guarantor income certifications
• Parental EPF statements
• Inland Revenue Department tax returns
• University admission letters and cost breakdowns
• Academic transcripts (GCE A-Levels, undergraduate degree certificates)
• Passport copies
• Multiple signed affidavits and legal documents

Gathering, organizing and submitting this documentation is time-consuming and stressful.

Long approval timelines:

From initial application to final disbursement, Sri Lankan bank loans often take 4-8 weeks minimum, sometimes extending to 2-3 months if:

• Property valuation requires multiple surveyors or contested valuations
• Land Registry title verification uncovers complications
• Credit committee meetings schedule irregularly
• Exchange Control Department approval requires additional documentation
• Legal documentation preparation encounters delays

These timelines don’t always align with U.S. or Canadian university deposit deadlines, F-1 visa requirements preparation timelines or study permit application schedules.

Variable interest rate uncertainty:

Most Sri Lankan education loans use variable rates tied to Central Bank policy rates. This means:

• Your monthly payment can increase if the Central Bank raises rates
• Total amount repaid over loan life is uncertain when you borrow
• Budget planning becomes difficult with payment uncertainty
• Economic volatility in Sri Lanka directly impacts your education loan cost

Limited understanding of foreign education systems:

While improving, many Sri Lankan bank loan officers remain less familiar with:

• U.S. university systems and typical costs
• F-1 visa requirements for proof of financial support
• Post-graduation work authorization (OPT/PGWP) and its income implications
• How scholarships and assistantships work
• Typical timelines for U.S./Canadian university processes

This knowledge gap can create confusion about how much you need to borrow, what documentation serves visa purposes and how to structure funding.

U.S. and Canadian lenders offer education loans specifically designed for international students studying in those countries. These loans have fundamentally different structures and evaluation criteria than Sri Lankan domestic loans.

How international student loans work

International lenders evaluate applications based on your university quality, academic program strength, field of study career prospects and future earning potential rather than requiring property collateral in Sri Lanka.

Alternative evaluation criteria:

• University reputation and ranking
• Academic program quality and outcomes
• Field of study demand (STEM, business, health sciences typically favored)
• Your academic record (GPA, GRE/GMAT scores, GCE A-Level results)
• Future salary expectations in your chosen field
• Career placement rates for your program

Rather than assessing your family’s current property assets, these lenders focus on your future ability to repay from professional earnings.

Currency alignment (USD/CAD):

Loans are disbursed in US dollars or Canadian dollars and repaid in the same currency. This eliminates currency conversion complications and exchange rate fluctuations between borrowing and spending on education costs.

Digital-first processes:

Applications happen entirely online with documents uploaded digitally. Decisions often come within days rather than weeks or months. No physical branch visits required – everything managed from Colombo or anywhere in Sri Lanka with internet access.

Two main categories:

Loans requiring U.S./Canadian cosigner:

• Cosigner must be U.S./Canadian citizen or permanent resident
• Cosigner needs good credit history in U.S./Canada
• Often lower interest rates due to cosigner guarantee
• Reality for Sri Lankan students: Very few have cosigner access

No-cosigner international student loans:

• Evaluate student independently without U.S./Canadian cosigner
• No Sri Lankan property collateral required
• Merit-based assessment focused on future potential
• Examples: MPOWER Financing, select other specialized lenders

Advantages of international student loans

Eliminated currency exchange risk (borrowing to spending):

When you borrow in USD and pay tuition in USD, you know exactly how much education your loan covers. No uncertainty about exchange rate movements reducing your purchasing power between loan approval and tuition payment. You avoid the 2-5% foreign exchange fees and margins Sri Lankan banks charge for currency conversion.

Example comparison:

• Sri Lankan loan: Borrow LKR 15.4 million, convert to USD, pay 2-3% conversion fees, risk exchange rate movement, uncertain final USD amount
• International loan: Borrow US$50,000, pay US$50,000 tuition directly, zero conversion fees, zero exchange rate risk

Speed and digital efficiency:

Digital applications and streamlined processes mean much faster decisions. Typical timeline:

• Eligibility check: Instant (online calculator)
• Initial application: 15-30 minutes to complete
• Conditional approval: Often within 24 hours
• Document upload: At your convenience over several days
• Final approval: 1-2 weeks after complete documents submitted
• Disbursement: Directly to university account before semester starts

Total timeline: 2-3 weeks typical compared to 4-8 weeks (or longer) for Sri Lankan bank loans.

No Sri Lankan property collateral needed:

Your family doesn’t need to:

• Mortgage the family home in Colombo
• Risk multi-generational land in rural areas
• Tie up fixed deposits
• Undergo property valuations
• Submit Land Registry documents
• Navigate legal property transfer documentation

For families without substantial property assets, this removes the primary barrier to accessing education funding. For families with property who are deeply uncomfortable risking it, this removes a major source of family stress and conflict.

Understanding of foreign education systems:

International student loan lenders specializing in this market deeply understand:

• F-1 visa documentation requirements and proof of funds processes
• Optional Practical Training (OPT) and PGWP work authorization
• How scholarships and assistantships function
• Typical university cost structures
• Timeline requirements for university deposits and visa applications

They provide documentation specifically formatted to serve your needs throughout the application and visa process.

Fixed interest rates available:

Many international lenders offer fixed-rate loans where your interest rate never changes throughout repayment. This provides:

• Predictable monthly payments for entire loan life
• Protection from interest rate increases
• Certainty for long-term budget planning
• No worry about Central Bank policy changes affecting your education loan

Potential for U.S./Canadian credit building:

Making on-time payments on U.S. or Canadian loans helps you establish credit history in those countries, which becomes valuable if you:

• Work on OPT or PGWP after graduation
• Apply for credit cards or car loans
• Rent apartments in the U.S./Canada
• Consider long-term residency pathways
• Want financial identity independent of Sri Lankan credit

No Exchange Control Department approvals needed:

International loans disburse directly in foreign currency to your university. You bypass the entire Sri Lankan foreign exchange regulatory process, eliminating:

• Exchange Control Department documentation
• Approval delays
• Transaction-by-transaction explanations
• Regulatory complexity

Challenges and limitations of international student loans

Less familiar territory for Sri Lankan families:

Working with foreign financial institutions means:

• Navigating unfamiliar banking systems
• Legal frameworks you may not fully understand
• Processes that differ from Sri Lankan banking norms
• No physical branches to visit in Colombo
• Communication entirely digital (email, phone, web portal)
• Time zone differences (U.S. East Coast 10.5 hours behind Sri Lanka, West Coast 13.5 hours behind)

Some Sri Lankan families find this uncomfortable, particularly older parents accustomed to in-person banking relationships.

Interest rates may be higher than Sri Lankan loans:

International student loan interest rates vary significantly by lender and your profile. Current ranges (2026):

• Loans with U.S./Canadian cosigner: 4-10% APR
• No-cosigner loans: 9-15% APR

Sri Lankan bank education loans might offer 8-12% rates, potentially lower than international no-cosigner options. However, comparing rates requires calculating total cost including:

• Foreign exchange fees (2-5% for Sri Lankan loans)
• Currency risk premiums
• Fixed vs variable rate implications
• Total interest paid over full repayment period

The “lower” headline rate on a Sri Lankan loan may not result in lower total cost after accounting for all factors.

Currency risk shifts to repayment (if returning to Sri Lanka):

If you return to Colombo immediately after graduation and earn salary in LKR, you’ll face currency conversion when making USD loan payments. Exchange rate movements affect your effective monthly payment cost in LKR terms.

Example:

• Loan payment: US$500/month
• At LKR 308/USD: LKR 154,000/month
• If LKR depreciates to LKR 380/USD: LKR 190,000/month for same US$500 payment
• Increase: LKR 36,000/month (23% higher in LKR terms)

Many Sri Lankan students strategically work on OPT or PGWP for 1-2 years to repay substantial portions in USD before returning home, minimizing this issue.

Limited family involvement and comfort:

Parents cannot:

• Walk into a branch and speak with loan officer face-to-face
• Review physical documents in person
• Ask questions in Sinhala or Tamil
• Participate in approval discussions
• Feel the “relationship” aspect of banking

Everything happens remotely, which some traditional Sri Lankan families find uncomfortable despite the practical advantages.

Eligibility limitations:

Not all students qualify for international loans. Requirements typically include:

• University must be on lender’s approved school list (usually 500+ U.S./Canadian schools)
• Program must be postgraduate level (master’s or doctoral)
• Field of study preferences (STEM, business, health sciences often preferred)
• Minimum academic standards (varies by lender)
• Valid admission offer from eligible university

If your university isn’t on the approved list or your program doesn’t meet requirements, you won’t qualify regardless of other factors.

No benefit from existing Sri Lankan banking relationships:

Your family’s 20-year relationship with Commercial Bank means nothing to a U.S. lender. They evaluate you solely on the criteria described above. Long-standing family banking relationships in Sri Lanka provide zero advantage.

Move beyond assumptions to concrete, personalized analysis.

Step 1: Calculate total costs in BOTH scenarios

Don’t just compare interest rates – calculate comprehensive total costs including all fees, currency conversion charges and exchange rate impacts.

Sri Lankan loan total cost calculation:

Base loan amount: LKR amount borrowed

Interest charges: Based on rate and term (factor in variable rate uncertainty – calculate at current rate plus 2-3% for rate increase scenario)

Currency conversion fees: 2-3% when converting LKR to USD for tuition payments (multiple times over 2 years)

Wire transfer fees: US$25-50 per transfer × number of transfers (typically 4-6 for two-year program)

Exchange rate risk premium: Difficult to quantify but add 5-10% buffer for potential LKR depreciation between approval and full fund conversion

Processing fees: Typically 1-2% of loan amount

Property valuation fees: LKR 30,000-100,000

Legal documentation fees: LKR 50,000-150,000

Total cost = Base amount + all above factors

International loan total cost calculation:

Base loan amount: USD amount borrowed

Interest charges: Based on APR × term (use exact APR which includes all fees)

No currency conversion fees (borrowing and spending in same currency)

No wire transfer fees for tuition (lender disburses directly to university)

No exchange rate risk (spending happens in loan currency)

Processing fees: Usually included in APR

Total cost = Base amount + interest charges

Make side-by-side comparison:

• Calculate monthly payments for each
• Calculate total amount repaid over full loan life
• Factor in currency risk scenarios (conservative, moderate, pessimistic exchange rate assumptions)

Step 2: Assess realistic approval probability

For Sri Lankan bank loans, honestly evaluate:

Do you have eligible property collateral?

• Unencumbered property (no existing mortgages)?
• Valued at 1.5-2x the loan amount needed?
• Located in areas banks accept (major cities preferred)?
• Clear title from Land Registry without disputes?
• Family willing to pledge it?

If you cannot answer “yes” to all, approval probability is low regardless of academic merit.

Do guarantors meet requirements?

• Stable documented income?
• Tax returns and EPF statements available?
• Good credit history?
• Willing to guarantee full loan amount?

For international loans, check:

Is your university on the approved school list?

• Visit lender website and verify
• Most list 500+ eligible schools
• If not listed, you won’t qualify

Does your program meet requirements?

• Postgraduate level (master’s, doctoral)?
• In preferred fields (STEM, business, health sciences)?
• At least one-year duration?

Do you meet academic standards?

• Competitive GPA or GCE A-Level results?
• Admission to reputable program?
• Reasonable career prospects in field?

If “yes” to all, approval probability is reasonable. If “no” to any, explore alternatives.

Step 3: Evaluate timeline alignment

Sri Lankan loan timeline (typical):

• Initial application and document submission: 1-2 weeks
• Property valuation: 1-2 weeks
• Credit committee review: 1-2 weeks
• Legal documentation: 1-2 weeks
• Final approval and disbursement: 1 week
• Total: 4-8 weeks minimum, often longer

International loan timeline (typical):

• Online application: 15-30 minutes
• Conditional approval: 1 day
• Document upload: 3-7 days
• Final approval: 1-2 weeks
• Disbursement setup: 3-5 days
• Total: 2-3 weeks typical

Compare these timelines to:

• When do you need to pay university deposit? (Often 2-4 weeks after admission)
• When do you need proof of funds for visa application? (2-3 months before program start)
• When does your program begin? (Build in buffer time for any complications)

Choose the loan type whose timeline reliably meets your deadlines with margin for error.

Step 4: Factor in family comfort and preferences

Financial decisions aren’t purely mathematical. Family dynamics and emotional comfort legitimately influence decisions.

Consider your family’s preferences:

How does your family feel about:

• Pledging family property as collateral? (Some families are comfortable; others experience significant stress)
• Working with foreign institutions they can’t visit? (Some adapt easily; others find it very uncomfortable)
• Digital-only banking relationships? (Generational divide often appears here)
• Taking USD-denominated debt? (Exchange rate risk understanding varies)
• Having no physical branch to visit for questions? (Important to some families, irrelevant to others)

If these preferences are deeply held and choosing the “optimal” financial option creates significant family stress, that stress has real costs to your family’s wellbeing. Family harmony matters.

However, don’t let unfounded fears override sound financial analysis. If family discomfort stems from misunderstanding rather than genuine values, education and explanation may resolve concerns.

Step 5: Consider your post-graduation plans

Your career plans after graduation significantly affect which loan type makes more sense.

If planning to work in U.S./Canada on OPT/PGWP (1-3 years):

International USD/CAD loans strongly advantaged:

• Earn in same currency you’re repaying
• No exchange rate risk during prime earning years
• Can aggressively repay while earning high USD/CAD salaries
• Simplifies financial life during work period
• Build U.S./Canadian credit helpful for renting, credit cards, car loans

Sri Lankan LKR loans disadvantaged:

• Must convert USD earnings to LKR to make payments (or maintain both USD and LKR accounts)
• Family back in Sri Lanka may need to handle payments on your behalf
• More complex financial coordination

If planning to return to Sri Lanka immediately after graduation:

Sri Lankan LKR loans possibly advantaged:

• Earn in LKR, pay in LKR – currency alignment
• Work with familiar Sri Lankan banking system
• Simpler coordination with family
• No currency conversion for each payment

International USD loans potentially disadvantaged:

• Must convert LKR salary to USD each month for payments
• Exchange rate risk during entire repayment period
• Higher monthly payment volatility in LKR terms
• Need for USD bank account and international wire capabilities

Many Sri Lankan students use hybrid approach:

• Take international USD loan
• Work on OPT 1-2 years in U.S. earning USD
• Aggressively repay 30-50% of loan from USD earnings
• Return to Sri Lanka with much lower remaining balance
• Convert LKR to USD for remaining smaller payments (less exchange rate impact on smaller amounts)

This combines advantages of both approaches.

Consider Sri Lankan domestic education loans if:

You have strong collateral readily available:

Your family owns unencumbered property worth 1.5-2x your loan need, located in areas banks accept, with clear titles and family consensus to pledge it. The collateral you’d struggle to leverage with international lenders becomes a significant advantage domestically.

You have exceptional Sri Lankan banking relationships:

Your family maintains substantial deposits, business accounts or has successfully repaid previous loans with a specific bank, potentially accessing preferential rates or terms genuinely better than international options.

You’re returning to Sri Lanka immediately after graduation:

You’re certain you’ll return to Colombo right after program completion, you’ll earn in LKR and you prefer the simplicity of LKR-to-LKR payment alignment.

Your family strongly prefers local institutions:

After education and transparent comparison, your family remains deeply more comfortable with Sri Lankan banks despite potential financial disadvantages. If this preference is strongly held and choosing an international loan would create significant family stress, this is a legitimate factor.

You’re pursuing programs international lenders don’t cover:

Your university or program doesn’t appear on international lenders’ approved lists, eliminating international options regardless of preference.

Consider international no-cosigner education loans if:

You have limited or no property collateral:

Your family doesn’t own suitable property, owns mortgaged property banks won’t accept, or owns land in areas banks undervalue or refuse to accept.

You’re unwilling to risk family property:

Even if technically eligible, your family is deeply uncomfortable pledging multi-generational property as collateral, preferring to keep family assets safe regardless of slightly higher loan costs.

You face time pressure:

University deposit deadlines approach quickly and you need fast decisions. International lenders’ 2-3 week timelines versus Sri Lankan banks’ 4-8+ week processes matter significantly.

You’re planning to work abroad after graduation:

You’ll work in the U.S. on OPT or Canada on PGWP for 1-3 years, earning in USD/CAD. Having USD/CAD-denominated loans matching your income simplifies finances substantially and eliminates exchange rate risk during peak earning years.

You prefer digital efficiency:

You value the ability to apply, track and manage your loan entirely online from anywhere without branch visits, physical document submission or in-person meetings.

You want currency stability:

You want to minimize exchange rate uncertainty between borrowing and spending on education. Same-currency loans (borrow USD, spend USD) provide maximum predictability.

You value fixed interest rates:

You want payment certainty throughout repayment rather than exposure to Central Bank policy changes affecting variable-rate Sri Lankan loans.

You lack strong Sri Lankan banking relationships:

You’re starting fresh without family banking relationships that might provide preferential treatment at Sri Lankan banks.

MPOWER Financing offers no-cosigner student loans specifically designed to overcome barriers Sri Lankan students face with traditional financing options.

“The application process was straightforward, and I didn’t need a cosigner or collateral. MPOWER believed in my potential and helped me focus on my studies rather than worrying about finances.”

— Juan Ballen, MBA Student, Indiana University, Colombia

No Sri Lankan property collateral required:

• Family home in Colombo stays safe
• Land in rural areas not at risk
• No Land Registry documentation needed
• No property valuations
• No legal title transfers

Merit-based evaluation instead of asset-based:

• GCE A-Level results and university GPA matter
• University quality and reputation count
• Field of study career prospects evaluated
• Future earning potential drives decisions
• Current family property wealth irrelevant

USD loans matching tuition currency:

• Borrow USD, pay tuition USD
• Zero currency conversion fees
• Zero exchange rate risk between borrowing and spending
• No Exchange Control Department approvals
• Funds disbursed directly to university

Fixed interest rates:

• Predictable monthly payments (never change)
• Protection from interest rate increases
• Certainty for long-term planning
• Not affected by Central Bank of Sri Lanka policy
• Inflation protection built in

Fast digital process from Sri Lanka:

• Online application: 15-30 minutes
• Conditional approval: Often 24 hours
• Upload documents at your convenience
• Final approval: 1-2 weeks
• No branch visits needed
• Apply from Colombo or anywhere in Sri Lanka

Loan amounts and coverage:

• US$2,001 to US$100,000
• Covers tuition, housing, books, health insurance, living expenses (U.S.)
• Typically tuition and university-invoiced expenses (Canada)
• 500+ eligible U.S. and Canadian universities
• Students from 200+ countries (including Sri Lanka)

Path2Success program benefits:

• Career services (resume review, interview prep, job search tools)
• Visa support (F-1 visa preparation, documentation, mock interviews)
• Financial resources (budgeting tools, repayment planning)
• Banking services (access to U.S. bank accounts and credit cards)

Founded by international students:

• Founders personally experienced education financing challenges
• Deep understanding of Sri Lankan students’ specific obstacles
• Empathy for family financial constraints in developing countries
• Commitment to transparent terms without hidden fees

Currency conversions are approximate and based on an exchange rate of LKR 310 per US$1 as of January 2026. Actual rates may vary.