International students are eligible with a co-borrower who is a U.S. citizen or permanent resident. Repayment starts after a six month grace period. Maximum in school deferment is 4 years from initial disbursement. Students may qualify for a one-year forbearance. Graduate students have up to 15 years to repay the loan, while undergraduates have 12 years.
Lenders are wary of making loans to students who have an adverse credit history, eg.
These are the three most common reports used by lenders. Requests should be made in writing and include your name, addresses for the past five years, social security number, date of birth, daytime phone number, and employer. Be sure to SIGN your request. Experian P.O. Box 949 in Allen, TX 75013-0949. One free report is provided each year or within 60 days of a denial of credit.