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Get A Loan Apply Now Learn More Refinance Schools We Support Refer A Friend Scholarships Global Citizen Women in STEM Study Abroad Find Your Dream School Webinars & Events Student Resources Support FAQ Resources Student Guide Contact Us About Us The Company Careers News Social Impact Get A Loan Apply Now Learn More Refinance Schools We Support Refer A Friend Scholarships Global Citizen Women in STEM Study Abroad Find Your Dream School Webinars & Events Student Resources Support FAQ Resources Student Guide Contact Us About Us The Company Careers News Social Impact Login Login Get Started CN Fund your dreams on your own Apply for our no-cosigner loans and scholarships to study in the USA and Canada. 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 program SUMEI 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 Technology Read 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 my studies.” 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 these endeavors.” 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 city of 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 help me 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 to retire early! SIMONA S. Malta, MBA, California State University, Long Beach (CSULB) Read Full Story SIMONA S. Malta, MBA, California State University, Long Beach (...