Dear aakanshyaa, Do you have a co-signer (one who is willing to co-sign a loan)? The co-signer has to be a US resident with good credit standing. As a last resort you could always apply for student loan from citibank (or other companies...there are so many of them). This is what I did when I was in college, and now I am slowly repaying them. The interest loan on these are also much much lower that credit cards. And you don't have to start paying them off until 6 months after you graduate. Hope this helps! Good Luck!