Simply put, you are extremely unlikely to just get a free loan especially as an international student. I would be amazed if you could qualify for a credit card at all.

Anyways, if you did qualify for a credit card then it would likely be for 25% APR.

Charging $1,000 to this credit card will cost you:

• $111.81 per month for 10 months; $1,118.12

or

• $212.67 per month for 5 months; $1,063.36

It's simple, paying off the loan faster results in less interest paid.

Simply put, you (specifically you) are extremely unlikely to just get a free loan especially as an international student. I would be amazed if you could qualify for a credit card at all.

Anyways, if you did qualify for a credit card then it would likely be for 25% APR.

Charging $1,000 to this credit card will cost you:

• $111.81 per month for 10 months; $1,118.12

or

• $212.67 per month for 5 months; $1,063.36

It's simple, paying off the loan faster results in less interest paid.