I am a student on a F1 Visa in the US and would like to apply for personal student loans from Banks like Chase, Sallie Mae.
Being a non US Citizen and on a student Visa, I am unauthorized to work, and thus obtain a SSN.
These banks want any kind of a Government issued Identification Number from me and after discussions with the bankers, it seems the best way out for me to obtain such would be a Taxpayer Identification Number?
After reading articles available at the IRS site, it seems I should apply for a Individual Taxpayer Identification Number (ITIN), although I am not very sure about that.
What is holding me back from submitting the relevant from - W-7 - is that it also wants a tax return attached with it.
Since I do not have any sources of income in the US, and I am unauthorized to work, I cannot possibly have a tax return document.
There is one document however - the school issued 1098-T - but it does not seem to figure on the list of tax return documents that need to be attached with the W-7.
Given my scenario - how do I go about applying for a ITIN so that I can start applying for a student loan?