Here's How My Refugee Resettlement Program Works - You can move to the USA!

The International Organization for Migration's (IOM) Travel Loan Program helps to provide penalty and interest-free loans to refugees arriving in the United States. Refugees who accept these travel loans are required to sign a promissory note prior to departure, committing themselves to repayment of the debt within a determined period after arrival. 

IOM arranges travel for refugee using funds furnished by the Department of State and is mandated to subsequently receive refugees' repayments on behalf of the Department of State. Repayments made are remitted to a revolving fund created between the Department of State and IOM for use by the Bureau of Population, Refugees, and Migration (PRM) to defray the cost of future refugee travel. 

A Travel Loan repayment is initially assigned either to IOM itself or to a resettlement agency.

The core belief of the Program is that refugees' financial participation in making repayments against their debt will strengthen their determination to make a success of their migration. Furthermore, repayments are utilized by IOM and other receiving agencies to help establish the credit worthiness of the newly arriving refugees. Not only does that help refugees better integrate and contribute to the US economy, it also serves as a protection tool against abusive and predatory lending markets for those without credit worthiness.