🇺🇸 Engineering Management · USA

Education Loan for MS in Engineering Management in the USA: 2027 guide

How much Indian students borrow for an MS in Engineering Management in the USA, which loan route fits and what the EMI looks like.

Typical loan ₹1.12 crore
Total ₹59 lakh – ₹1.8 crore
Secured loan advised
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Quick answer

How much education loan do I need for an MS in Engineering Management in the USA?

On our 20 universities offering Engineering Management in the USA, total costs run from ₹59 lakh – ₹1.8 crore. A typical borrower takes about ₹1.12 crore — at that size a secured loan gives the lowest rate and highest limit. The EMI at 10.5% over 10 years is about ₹1,51,127 a month.

Ask on WhatsAppUpdated October 2026 · Reviewed by the Visa Edu Loans admissions & finance desk

Loan for MS in Engineering Management in the USA

Total cost range: ₹59 lakh – ₹1.8 crore
Typical loan: ₹1.12 crore
EMI (10.5%, 10 years): ₹1,51,127 a month
Funds for the visa: F-1 student visa

Costs

Engineering Management costs in the USA

Engineering Management costs in the USA
University	Total in ₹
Arkansas State University	₹59 lakh – ₹70 lakh
Lamar University	₹61 lakh – ₹72 lakh
St. Cloud State	₹65 lakh – ₹75 lakh
Texas State	₹67 lakh – ₹80 lakh
Wichita State	₹68 lakh – ₹79 lakh
Missouri S&T	₹82 lakh – ₹97 lakh
Portland State	₹85 lakh – ₹98 lakh
Clarkson University	₹94 lakh – ₹1.14 crore
Santa Clara University	₹1.21 crore – ₹1.41 crore
SMU	₹1.17 crore – ₹1.47 crore

Repayment

EMI on a ₹1.12 crore loan

EMI on a ₹1.12 crore loan
Rate	7 years	10 years	15 years
9%	₹1,80,198	₹1,41,877	₹1,13,598
10.5%	₹1,88,840	₹1,51,127	₹1,23,805
12%	₹1,97,711	₹1,60,687	₹1,34,419

Lenders

Which lenders fit

Which lenders fit
Lender	Type	Why
SBI	Public sector bank	Low secured rates and very high limits, but slower and collateral-heavy
Bank of Baroda	Public sector bank	Public-bank pricing with a premier list for collateral-free amounts
PNB	Public sector bank	Wide branch network and public-bank rates; margin money applies
Canara Bank	Public sector bank	Strong in South India; public-bank pricing
Union Bank	Public sector bank	Public-bank pricing; large secured limits
Bank of India	Public sector bank	Public-bank pricing for secured loans
HDFC Bank	Private bank	Private-bank speed with secured and unsecured options

FAQs

Frequently asked questions

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Lenders fund up to the full cost of attendance less margin money — commonly ₹90 lakh–₹1.62 crore for this program.

Possible for listed universities with a strong co-applicant, but amounts this large usually need collateral for the best rates.

After the course plus a moratorium (usually 6–12 months); interest may accrue during study.

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Programs

Engineering Management in the USA

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Lenders

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