{"id":26462,"date":"2023-03-14T03:25:31","date_gmt":"2023-03-14T07:25:31","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/pt\/blog\/getting-an-education-loan-in-the-usa-for-indian-students"},"modified":"2025-12-29T07:38:33","modified_gmt":"2025-12-29T07:38:33","slug":"getting-an-education-loan-in-the-usa-for-indian-students","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/pt\/blog\/getting-an-education-loan-in-the-usa-for-indian-students","title":{"rendered":"Obtendo um empr\u00e9stimo educacional nos EUA como estudante indiano"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">As an Indian student looking to earn your degree in the United States, you might be wondering if you have enough money to fund your education abroad. Maybe you have some of your own money saved up, or perhaps you have some financial support from family, but studying in the U.S. as an international student can be expensive, and you might not have enough funding on hand to cover your full cost of attendance. In this case, it\u2019s worth exploring your options for an education loan in the U.S. as an Indian student.<\/span><\/p>\n<h2><b>Where to Get a U.S. Education Loan for Indian Students<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">As an Indian student, you have two main options for student loans: a bank in India or a lender in the U.S.\u00a0<\/span><\/p>\n<h3><b>Option 1: A Bank in India\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">You could consider borrowing an education loan from a bank in India to fund your U.S. education. However, some banks in India don\u2019t give education loans to students who plan to study in other countries, like the U.S. Additionally, there are other hurdles with this option to consider &#8211; such as inflation and exchange rates.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That said, there are a few lenders in India that will provide USA education loans. These include:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">HDFC Bank Education Loan for Foreign Students<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SBI Student Loan Scheme<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SBI Global ED-VANTAGE Scheme<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bank of Baroda Scholar Loan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Union Bank of India Education Loan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">PNB Udaan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Canara Bank<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">BOI Star Education Loan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">CENT Vidyarthi<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Note that some of these lenders have strict eligibility criteria, which could make it difficult to qualify for a loan.\u00a0<\/span><\/p>\n<h3><b>Option 2: A Lender in the U.S.\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Sua outra op\u00e7\u00e3o \u00e9 pedir empr\u00e9stimo a um credor privado dos EUA.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Estudantes indianos podem enfrentar mais obst\u00e1culos do que estudantes locais ao solicitar um empr\u00e9stimo estudantil privado. Para se qualificar, voc\u00ea geralmente precisa atender aos seguintes crit\u00e9rios:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ter um bom hist\u00f3rico de cr\u00e9dito que mostra que voc\u00ea \u00e9 confi\u00e1vel e provavelmente pagar\u00e1 o empr\u00e9stimo<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Candidate-se com um avalista que seja cidad\u00e3o dos EUA ou residente permanente e tenha um bom hist\u00f3rico de cr\u00e9dito<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Apresentar garantia (ativos) que tenham um valor equivalente ao valor do empr\u00e9stimo<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Se voc\u00ea n\u00e3o tem nenhum desses, n\u00e3o entre em p\u00e2nico &#8211; voc\u00ea ainda tem op\u00e7\u00f5es. <\/span><a href=\"https:\/\/www.mpowerfinancing.com\/get-a-loan\"><span style=\"font-weight: 400;\">MPOWER Financing<\/span><\/a><span style=\"font-weight: 400;\"> entende que muitos estudantes internacionais n\u00e3o t\u00eam um hist\u00f3rico de cr\u00e9dito nos EUA ou um avalista com base nos EUA. \u00c9 por isso que eles oferecem <a href=\"\/pt\/blog\/student-loans-for-indian-students\">empr\u00e9stimos estudantis internacionais para estudantes indianos<\/a> estudando nos EUA e Canad\u00e1 &#8211; sem avalista nem garantia necess\u00e1rios.<\/span><\/p>\n<h3><b>Encontrando um credor de empr\u00e9stimo educacional sem avalista nos EUA.<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Ao pesquisar um empr\u00e9stimo educacional nos EUA, voc\u00ea descobrir\u00e1 que a maioria dos bancos exige que um avalista tamb\u00e9m seja inclu\u00eddo. No entanto, existem <a href=\"https:\/\/www.mpowerfinancing.com\/pt\/blog\/loan-without-a-cosigner\">empr\u00e9stimos estudantis internacionais sem um avalista<\/a> dispon\u00edveis de alguns credores, como MPOWER.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Obter um empr\u00e9stimo sem avalista pode depender de:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A institui\u00e7\u00e3o de ensino que voc\u00ea planeja frequentar<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seu programa de estudo<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sua carreira pretendida<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seu sucesso acad\u00eamico<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seu pa\u00eds de origem<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Se voc\u00ea tem um avalista com base nos EUA, aqui est\u00e3o dois outros credores a considerar:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b><a href=\"https:\/\/www.ascentfunding.com\/college-loans\/international-student-loans\/\">Ascent<\/a> <\/b><span style=\"font-weight: 400;\">&#8211; Oferece empr\u00e9stimos para estudantes de gradua\u00e7\u00e3o e p\u00f3s-gradua\u00e7\u00e3o com um avalista com bom hist\u00f3rico de cr\u00e9dito.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.citizensbank.com\/customer-service\/faqs\/student-loans\/private-student-loans.aspx\"><b>Citizens Bank <\/b><\/a><span style=\"font-weight: 400;\">\u2013 Oferece empr\u00e9stimos para estudantes de gradua\u00e7\u00e3o e p\u00f3s-gradua\u00e7\u00e3o com um avalista.<\/span><\/li>\n<\/ul>\n<h3><b>Como escolher seu empr\u00e9stimo educacional nos EUA\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u00c9 sensato fazer sua pesquisa e comparar v\u00e1rios credores para descobrir qual deles lhe dar\u00e1 o melhor valor de empr\u00e9stimo e condi\u00e7\u00f5es. Quando estiver pesquisando, compare recursos de empr\u00e9stimo como:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Valor do empr\u00e9stimo: <\/b><span style=\"font-weight: 400;\">Certifique-se de que o empr\u00e9stimo cobrir\u00e1 todos os custos que voc\u00ea precisa cuidar.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Taxa de juros: <\/b><span style=\"font-weight: 400;\">Uma taxa de juros mais baixa custar\u00e1 menos em encargos de juros ao longo do tempo.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tipo de taxa de juros:<\/b><span style=\"font-weight: 400;\"> Considere se sua taxa \u00e9 fixa, ou seja, permanecer\u00e1 a mesma durante a vida do seu empr\u00e9stimo, ou vari\u00e1vel, o que significa que pode aumentar com o tempo.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Per\u00edodo e condi\u00e7\u00f5es de reembolso: <\/b><span style=\"font-weight: 400;\">Descubra quanto tempo voc\u00ea tem para pagar o empr\u00e9stimo.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Taxas associadas \u00e0 solicita\u00e7\u00e3o do empr\u00e9stimo: <\/b><span style=\"font-weight: 400;\">Fique atento \u00e0s taxas que podem aumentar seus custos de empr\u00e9stimo, como uma taxa de solicita\u00e7\u00e3o, origina\u00e7\u00e3o ou desembolso.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Taxa Percentual Anual (APR)<\/b><span style=\"font-weight: 400;\">: Uma taxa anualizada que considera tanto os juros quanto as taxas que voc\u00ea paga durante a vida do empr\u00e9stimo, criando uma compara\u00e7\u00e3o de custos \u201cigual a igual\u201d entre diferentes produtos de empr\u00e9stimo.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tempo e m\u00e9todo de desembolso dos fundos: <\/b><span style=\"font-weight: 400;\">Certifique-se de que seu empr\u00e9stimo chegar\u00e1 a tempo de pagar sua conta de mensalidade. Al\u00e9m disso, descubra se o credor desembolsar\u00e1 o empr\u00e9stimo para o seu escrit\u00f3rio de aux\u00edlio financeiro ou diretamente para voc\u00ea.\u00a0<\/span><\/li>\n<\/ul>\n<h3><b>Considera\u00e7\u00f5es finais sobre empr\u00e9stimos educacionais para estudantes indianos<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Como estudante indiano com o objetivo de estudar nos EUA, cabe a voc\u00ea garantir que tem financiamento suficiente para pagar seus estudos e despesas de vida. Obter um empr\u00e9stimo para educa\u00e7\u00e3o nos EUA pode ajud\u00e1-lo a cobrir custos. Para muitos estudantes, fazer um empr\u00e9stimo estudantil \u00e9 a \u00fanica maneira de pagar o custo de frequ\u00eancia.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ao procurar empr\u00e9stimos para educa\u00e7\u00e3o nos EUA para estudantes internacionais, n\u00e3o se esque\u00e7a de verificar com o escrit\u00f3rio de aux\u00edlio financeiro da sua institui\u00e7\u00e3o de ensino. Os oficiais de aux\u00edlio financeiro podem ser uma \u00f3tima fonte de informa\u00e7\u00f5es sobre empr\u00e9stimos estudantis, bem como bolsas de estudo e subs\u00eddios para estudantes internacionais. Depois de obter seu financiamento, voc\u00ea pode concentrar-se nos seus estudos e em aproveitar ao m\u00e1ximo seu tempo nos EUA.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Para obter mais informa\u00e7\u00f5es sobre como obter um empr\u00e9stimo para educa\u00e7\u00e3o nos EUA como estudante indiano, entre em contato com um representante de <\/span><a href=\"https:\/\/www.mpowerfinancing.com\/get-a-loan\"><span style=\"font-weight: 400;\">MPOWER Financing<\/span><\/a><span style=\"font-weight: 400;\"> hoje.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As an Indian student looking to earn your degree in the United States, you might be wondering if you have enough money to fund your education abroad. Maybe you have some of your own&#8230;<\/p>\n","protected":false},"author":64,"featured_media":15648,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[22,4],"tags":[],"class_list":["post-26462","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all-blogs","category-guides-and-tools"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Empr\u00e9stimo Educacional nos EUA para Estudantes Indianos | MPOWER Financing Portuguese<\/title>\n<meta name=\"description\" content=\"Transforme seus sonhos em realidade! Explore a gama de op\u00e7\u00f5es de empr\u00e9stimo educacional dispon\u00edveis especificamente para estudantes indianos que buscam educa\u00e7\u00e3o de qualidade nos EUA.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mpowerfinancing.com\/pt\/blog\/getting-an-education-loan-in-the-usa-for-indian-students\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Empr\u00e9stimo Educacional nos EUA para Estudantes Indianos | MPOWER Financing Portuguese\" \/>\n<meta property=\"og:description\" content=\"Transforme seus sonhos em realidade! Explore a gama de op\u00e7\u00f5es de empr\u00e9stimo educacional dispon\u00edveis especificamente para estudantes indianos que buscam educa\u00e7\u00e3o de qualidade nos EUA.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.mpowerfinancing.com\/pt\/blog\/getting-an-education-loan-in-the-usa-for-indian-students\" \/>\n<meta property=\"og:site_name\" content=\"MPOWER Financing Portuguese\" \/>\n<meta property=\"article:published_time\" content=\"2023-03-14T07:25:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-29T07:38:33+00:00\" \/>\n<meta name=\"author\" content=\"Rebecca Safier\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rebecca Safier\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/pt\/blog\/getting-an-education-loan-in-the-usa-for-indian-students#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/pt\/blog\/getting-an-education-loan-in-the-usa-for-indian-students\"},\"author\":{\"name\":\"Rebecca Safier\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/pt\/#\/schema\/person\/88a94ff931507ff65848e6a9a508b3af\"},\"headline\":\"Obtendo um empr\u00e9stimo educacional nos EUA como estudante indiano\",\"datePublished\":\"2023-03-14T07:25:31+00:00\",\"dateModified\":\"2025-12-29T07:38:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/pt\/blog\/getting-an-education-loan-in-the-usa-for-indian-students\"},\"wordCount\":1018,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/pt\/blog\/getting-an-education-loan-in-the-usa-for-indian-students#primaryimage\"},\"thumbnailUrl\":\"\",\"articleSection\":[\"All blogs\",\"Guides and Tools\"],\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.mpowerfinancing.com\/pt\/blog\/getting-an-education-loan-in-the-usa-for-indian-students#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/pt\/blog\/getting-an-education-loan-in-the-usa-for-indian-students\",\"url\":\"https:\/\/www.mpowerfinancing.com\/pt\/blog\/getting-an-education-loan-in-the-usa-for-indian-students\",\"name\":\"Empr\u00e9stimo Educacional nos EUA para Estudantes Indianos | MPOWER Financing Portuguese\",\"isPartOf\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/pt\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/pt\/blog\/getting-an-education-loan-in-the-usa-for-indian-students#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/pt\/blog\/getting-an-education-loan-in-the-usa-for-indian-students#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2023-03-14T07:25:31+00:00\",\"dateModified\":\"2025-12-29T07:38:33+00:00\",\"author\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/pt\/#\/schema\/person\/88a94ff931507ff65848e6a9a508b3af\"},\"description\":\"Transforme seus sonhos em realidade! 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