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To finance higher studies in US, you can go for International Student loans. You can apply for this loan program only when you have a permanent US citizenship. However it is not necessary to have a cosigner. There are several student loan program which never asks for a cosigner for approval. If you are unable to manage a cosigner then you can opt for student loans without cosigners. For this you will have to fill an online application form with some personal details. The form will gets approved in short interval of time and then required amount of money will transferred to your bank account shortly.