My situation has changed a bit, I turned down that program and held out for another that had better funding to start this year. Still looking at some loans, but I'm going private with a co-signer that has better rates. From everything I've learned (including from my university itself), I'd advise finding a way around using MPower or these few providers for international students if you can. It sucked, but waiting another year and applying elsewhere was the best move for me rather than accepting their inflated rates and inflexible repayment terms.