At Arab Student Aid International (ASAI), we believe in the transformational power of education as a catalyst for change. Our mission is to invest in the future leaders of the Arab world, empowering them through higher education to elevate themselves, their families, and their societies. By fostering knowledge, innovation, and leadership, we aim to create a generation that can shape a better future, build strong communities, and drive progress through education. We achieve this by offering 0% interest student loans, ensuring that financial constraints do not hinder ambition, talent, or potential.

 Program Details

  • This program is exclusively for Master’s (MA/MS) and PhD candidates.

    0% interest loan requirements:

    • Enrolled at an accredited university in a Master's or PhD program.

    • Citizen of an Arab country.

    • Valid passport or National ID.

    • Completed one semester in MA or PhD (minimum 12 credit hours).

    • GPA of B (Very Good) , (80%) , (3.0) or above.

    • Provide an official transcript of completed semesters, confirmed by the university registrar.

    • Provide two guarantors (one relative and one non-relative). Both guarantors must submit all documents (Passport or National ID , verification of income, utility bills). Check Guarantor Requirements.

    • Student will commit to loan repayment within 6 months after graduation.

    • ONLY one member of the immediate family can apply for the loan.

    • After full repayment, a consideration can be allocated to another member of the family if qualified.

    • Priority is given to students in Applied Sciences, Pure Sciences, and Social Sciences programs.

    • Aid is allocated ONCE per academic year and can be renewed only ONCE.

    • Funds are sent directly to the university. Can't be used for travel expenses, summer studies, or language programs.

    • Applicants with foreign citizenship or green cards are not eligible for loans but can explore opportunities through our crowdfunding platform.​


    • November 15th for Spring semester.

    • July 31st for Fall semester.

    • Fund for approved application, will be sent directly to the university by Aug 15th for Fall semester & Jan 15th for Spring semester.

  • The amount of aid varies depending on the country, university, specialization, and academic performance.

    USA & Canada

    • PhD Program Loan: $5000

    • MA/MS Program Loan: $4500

    Western Europe

    • PhD Program Loan: $4500

    • MA/MS Program Loan: $4000

    Asia & Far East

    • PhD Program Loan: $3500

    • MA/MS Program Loan: $3000

    Arab Countries, Africa & South America

    • PhD Program Loan: $3000

    • MA/MS Program Loan: $2500

  • To Apply successfully to the Loan:

    1. Provide accurate information

    2. Upload ALL required documents.

    Loan application will be rejected if missing any required documents.

Application Process

Steps to Apply:

  1. Click the "Apply Now" button to start filling out the application.

  2. Complete your application and submit the required documents.

  3. Student will be updated on his application status within six weeks of submission date.

APPLY NOW

Loan Repayment

Our interest-free student loans operate on a sustainable model where each graduate’s repayment contributes to supporting new students.

  • Repayment is mandatory for all loan recipients.

  • It is considered a Sadaqa Jareya (charitable ongoing blessing).

  • By repaying your loan, you enable future students to pursue their education.

Start Date

Begins 6 months after graduation

Duration

Maximum of 5 years

Why Repayment Matters

  • Ensures the sustainability of the program.

  • Your payment directly impacts the education of deserving students.

  • By giving back, you create a cycle of educational empowerment.

No Exemptions

All recipients must repay their loans

Help Us Make A Difference

  • Repay your loan on time to fulfill your commitment.

  • Share this initiative to expand its impact.