Can international students get a U.S. student loan without a U.S. citizen cosigner?

Yes, but traditional U.S. lenders (like Sallie Mae, Discover, and SoFi) strictly require a creditworthy U.S. citizen or permanent resident co-signer. To circumvent this, specialized fintech cross-border lenders—principally MPOWER Financing and Prodigy Finance—underwrite loans based on the student's future earnings potential and university degree program (specifically targeting STEM, MBA, and healthcare master's programs at approved U.S. institutions). These loans require zero U.S. credit history, zero collateral, and zero U.S. co-signers, and disburse tuition funds directly to the university bursar.