We understand you may not have a credit history in your home country or country of study. You do not need a credit score or history to apply.

If you do have a credit history in select home countries, the U.S. or Canada, we will review your payment records.

If you have concerns about how your credit history may affect our decision, we encourage you to check your U.S. or Canadian accounts with TransUnion at +1-800-888-4213 or your international accounts with Nova Credit at +1-844-423-1345.