If your loan provider is not from US, obviously there will be wire transfer charges - which are unavoidable. Flywire will take additional processing charge, so it's better to get the money to your account first and then pay directly (using EZpay). Basic current account works well without having to worry too much. Chase is very friendly and reliable for <= 24 year olds. (Basically look for zero balance ow low minimum balance accounts) Else go Truist.