In the 2019/20 academic year there were approximately 49,809 students from Japan studying as undergraduate or graduate students in the United States.

Japanese students studying abroad are usually self-funded, or rely on family to support them, or they may receive fee waivers or reductions from their university, or receive scholarships or awards.

In many cases, though, these funds don't cover all the costs. International Student Loan recognizes that many students need additional funding, and offers loans for Japanese students to help fund their education in the USA or Canada.

We have been a leader in providing loans for international students from Japan since 1998, and thousands of Japanese students have applied for loans through our programs.

If you are a Japanese student looking for an international student loan, you can compare lenders that work for your school by using our Compare Student Loan tool. Once you've reviewed the loans, you can choose the loan that's right for you - and apply right online with initial approval within weeks!

How To Get An International Student Loan

International Student Loans for Japanese Students

The cost of studying in the USA is an issue for any international student. For private colleges, it can be as high at $75 thousand dollars a year and for public schools it's around 50k annually. Federal loans are popular among US based students but they aren't available to Japanese or other foreign citizens - instead they can apply for an International Student Loan.

If you are interested in a student loan to study in the USA or Canada, start your research with our Student Loan comparison tool that will match you with a list of lenders specific to your school. Simply use the tool above and follow these three steps:

  1. Choose your citizenship and school, and click “Compare Student Loans”
  2. Review your list of lenders and compare terms
  3. Select the student loan that meets your needs and start the online application

Our student loan comparison tool allows you to compare basic terms and choose the loan that's right for you. Then, apply online and get initial approval within weeks!


Make sure to research your lenders before applying in order to find the loan that best suits your needs. Compare interest rates, repayment options and enrollment requirements before choosing a lender.


To qualify for a loan international students must attend an eligible school in the US or Canada. You must also be enrolled as an undergraduate or graduate student and pursue a degree, certificate, or license.

Co-Signer Required for Most Applicants

Most Japanese students need a cosigner to apply for an international student loan. The cosigner must be a US citizen or permanent resident, with good credit and who has lived in the USA for the past 2 years. Learn more about how to find a cosigner. If you do not have a cosigner you can use the loan comparison tool to see if a no cosigner loan is available at your school.

Loans that do not require a cosigner for students from Japan are available at an increasing number of US schools and in Canada - use the Loan Comparison Tool to find out if your school is on the list.

What Student Loans Cover

International students can apply for a loan for up to their school's total cost of attendance, as determined by the school, minus any other aid received. Total cost of attendance includes tuition, room and board, and expenses related to education such as books and transportation, as well as living expenses. All of our international student loans offer:

Education Loan Programs in Canada for Japanese Students:

Students from Japan studying at eligible Canadian universities may find loan programs availalabe to them. In most cases a co-signer is not required when studying in Canada.

Like all private education loans, students in Canada can use the funds to cover part of or their entire tuition fee, as well as living expenses and school-related costs, medical insurance and travel costs.

How to apply:

The application process for international student loans is quite simple.

  1. Check your eligibility:

    Using the loan comparison tool on this page - this takes 10 seconds and will show you if any companies are able to lend to a student in your position.

  2. Application:

    If you are matched with a lender you can then proceed with your application. The application process doesn't take long even if you are a non-US citizen. You will need to submit the necessary documents and paperwork to the loan company and they will decide whether you are approved or not.

  3. Documentation

    These are the most common documents you will need to provide your lender. You may be asked to provide other documents if needed.

    • Identification proof
    • Proof of residence
    • Academic records
    • Valid passport & Visa
    • Proof of admission to your university
    • Extra-curricular certificates if appropriate
  4. Approval:

    Once your application is conditionally approved, you will be notified of the interest rates (fixed or variable rate) and repayment terms. Once you agree with the terms, your loan application will be approved and funds disbursed. This usually takes around 6 weeks.

    You should go through the terms and conditions multiple times before making any decisions. It can be very confusing to understand. If you have any doubts, consult an expert before signing to accept your funds.

Find My Loan

Are you a US student planning to study in Japan? If so, check out our study abroad loans and foreign enrolled loans that can work for you.