Besides the UK and Ireland, which English-speaking countries offer 100% education loans or full scholarships if I do not get a scholarship?
08 Oct 2026 · Answered by Sweety Shah · 2 min read
Quick Answer
verified
Beyond the UK and Ireland, you can look at the USA, Canada, Australia, New Zealand and South Africa. Indian lenders can fund full costs for Canada, Australia and New Zealand, and full scholarships exist but are highly competitive and limited to eligible countries.
Several English-speaking countries offer full-cost loans or scholarships, though terms and availability change. Use the comparison below to see where each option is realistic for you.
Loan and scholarship options by country
| Country | Loan and scholarship picture |
|---|---|
| United States | Some private lenders offer loans without a US co-signer, and a few universities provide full scholarships, which are highly competitive |
| Canada | Indian banks and NBFCs can provide loans covering full tuition and living costs, and top universities offer full scholarships to outstanding students, though these are not generally open to everyone |
| Australia | Indian lenders offer loans covering all study expenses, and the Australia Awards Scholarship provides full funding to students from eligible countries |
| New Zealand | Full education loans are available from Indian banks, and government scholarships can cover all costs for students from eligible countries |
| South Africa | Education loans are less common, but some universities offer full scholarships |
What to keep in mind
- A 100 percent scholarship depends on academic merit and other achievements, and is often restricted to eligible countries.
- Loan terms and scholarship availability are subject to change.
- Check official scholarship pages for the current cycle before you rely on any award.
My Advice
Apply for scholarships and arrange a loan in parallel so that you have a backup if no award comes through. Shortlist countries where a loan route is realistic for your family's finances.
Which Australian scholarships can you actually get?
Matched to your CGPA, course and budget. Find out in 30 seconds.
4.7/5 Google
🎓 25K+ admits
Check Scholarship EligibilityRelated topics
More Scholarships & funding questions
- Is it possible to get a fully funded scholarship if he scores seven or above (seventy percent) in the third year in Germany?
- Do I need to score well in GRE, GMAT, or IELTS to get good scholarships in top business schools for a MBA?
- What can I do to improve my chances of winning a scholarship for Europe?
- When does the Korean Government Scholarship open applications for undergraduate students from India?
- What kind of questions might be asked during scholarship evaluations?
- Are you helping with educational loans or bank loans for studying abroad in UK/Ireland for a Master's?
- Why are fully funded scholarship applications in Italy often rejected, and how can I avoid that?
- Is the scholarship available for the next intake in USA for a Master's?
More Australia questions
- What is the lowest undergraduate tuition fee I can expect to pay at a Canadian university for the 2026 academic year?
- How much would I pay in first-year tuition for the International MBA program at York University, Toronto?
- Other than Canada and Netherlands, are there better countries to study science and technology in Germany/Singapore?
- What are the chances of getting a conditional offer letter requiring IELTS even if I have a good 12th standard score?
- Which universities in the USA offer MS Engineering Management for a B.Tech Automotive Engineering graduate, Duolingo 120 and ₹80 lakhs budget?
- Is it possible to study computer science with specialization in artificial intelligence in UK/New Zealand for a Master's?
- How long will it take me to complete the MS program at Queensland University of Technology?
- Can you add preferences for good digital marketing and performance marketing courses in New Zealand for a Master's?
🎓 Which Australian scholarships fit you? Check Scholarships