What financing options are available for my studies, including loan interest rates and repayment terms in USA for a Master's?

You have several financing options for your Master's studies in the USA:

- Education loans: As an international student, you are not eligible for U.S. federal student loans. Most private U.S. loans require a creditworthy U.S. cosigner, with typical interest rates between 4% - 17%/year. Some lenders offer loans without a cosigner, but rates are usually higher, around 10% - 15%/year. Repayment terms and interest rates vary by lender and are subject to change.

- Scholarships: With an IELTS score of 6.0, you may qualify for select university and external scholarships. Eligibility and amounts differ by scholarship.

- Part-time work: On an F-1 visa, you can work up to 20 hours/week during classes and full-time during breaks. This can help with living expenses but usually won't cover tuition.

- Tax benefits: Interest paid on education loans may be eligible for tax deductions under Section 80E in India.