International Student


GEMS gives International Students the opportunity of a lifetime to advance your academic and professional objectives while experiencing a whole new world at US or approved International Universities.

GEMS has partnered with Earnest Student Loans to provide International students the opportunity to borrow when attending an University outside their country. We provide loans for international students in the USA, United Kingdom, Ireland, Europe, Australia and New Zealand at approved Academic Institutions.*

Low Interest Rates

Loans are available at low rates at a variable and fixed rate. International students are required to have a US citizen or permanent resident of the US as a cosigner.

Loans Available for

  • Undergraduate
  • Graduate
  • Medical
  • Short term study abroad

*If your University is not on the approved list contact GEMS at and we may be able to approve the university.

*If your University is not on the approved list contact GEMS at and we may be able to approve the university. Loan Eligibility Criteria: Eligible students must: 1) For college Freshmen, Sophomores and Juniors, attend, or be enrolled to attend, a Title IV school full-time. For college Seniors and Graduate students, attend, or be enrolled to attend, a Title IV school at least half-time; and 2) be pursuing a Bachelor’s or Graduate degree. Earnest private student loans are subject to credit qualification, completion of a loan application, verification of application information, self-certification of loan amount, and school certification. Before applying for private student loans, it’s best to maximize your other sources of financial aid first. It’s recommended to use a 3-step approach to assembling the funds you need: 1) Look for funds you don’t have to pay back, like scholarships, grant and work-study opportunities. 2) Next, fill out a FAFSA® form to apply for federal student loans. Federal student loans do not require a credit check or cosigner, and offer various protections if you’re struggling with payments. 3) Finally, consider a private student loan to cover any difference between your total cost of attendance and the amount not covered in steps 1 and 2. For more information, visit the Department of Education website at Earnest Private Student Loans are made by One American Bank, Member FDIC. One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Earnest loans are serviced by Earnest Operations LLC, 535 Mission St., Suite 1663 San Francisco, CA 94105, NMLS #1204917, with support From Navient Solutions, LLC (NMLS #212430). One American Bank and Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America. © 2022 Earnest LLC. All rights reserved.