Build US credit as an international student

Rentaba helps international students turn rent payments into US credit history.

Start Building Credit

IELTS vs TOEFL for international students applying to US schools

If choosing for US universities, both IELTS and TOEFL are accepted almost everywhere. If a school accepts both, choose the one that matches your language habits: IELTS feels more conversational; TOEFL feels more academic and test‑like.

 

Direct comparison you can trust

 

Most US universities accept both equally. Admissions teams rarely prefer one unless the program lists a strict requirement on its website. The score conversion between tests is well understood, so admissions officers know exactly what each score means.

IELTS suits students who are comfortable with real-life conversations and face-to-face speaking. TOEFL suits students who are comfortable with computer-based tasks, typing, and fast academic listening.

 

How each test feels in practice

 

  • Speaking: IELTS uses a live interviewer. This feels natural for many but stressful for some. TOEFL records your spoken responses into a computer; this avoids human pressure but can feel robotic.
  • Listening: IELTS uses shorter, everyday dialogues. TOEFL uses longer academic lectures, closer to US classroom style.
  • Reading: IELTS mixes general and academic texts. TOEFL uses only academic passages similar to university reading assignments.
  • Writing: IELTS handwriting or computer typing depending on the center. TOEFL is fully typed; helpful if writing by hand slows you down.

 

Which one is easier

 

Neither is universally easier. IELTS feels easier for students strong in conversation and real-life English. TOEFL feels easier for students used to long academic listening and typing fast. In the US context, the TOEFL structure often mirrors what classrooms actually require.

 

Practical considerations students often forget

 

  • Location and availability: In some countries, IELTS test centers are more common; in others, TOEFL offers more dates.
  • Score reporting: TOEFL sends scores electronically to schools quickly. IELTS can take longer depending on the center.
  • Visa use: For the US F-1 visa, either test works; embassies do not prefer one.
  • University minimum scores: Always check the program page. Some require higher writing scores for TA positions or STEM majors.

 

If a school accepts both, choose whichever format matches your strengths. If unsure, try free official practice tests online; the one that feels clearer is usually the right pick.

New to the US? Your rent can help build credit

See how Rentaba uses rent payments to support early credit building.

Explore more guides for international students

What happens if a student visa expires while abroad

Learn what happens if your student visa expires while abroad, including risks, travel rules, and steps to regain legal student status.

Read More

Can international students visit home during the school semester

Learn whether international students can visit home during the school semester, including rules, travel tips, and how to maintain visa compliance.

Read More

Can international students buy phones on installment plans

Find out how international students can buy phones on installment plans, including eligibility, required documents, and top carrier options.

Read More

Can international students open a US bank account

Learn how international students can open a US bank account, required documents, top banks, and tips to simplify the process.

Read More

Can international students build credit history in the US

Learn how international students can build credit history in the US with practical steps, tips, and tools to start strong financially.

Read More

Is credit history required to rent housing as an international student

Learn whether international students need credit history to rent housing and explore simple alternatives to secure accommodation abroad.

Read More

Frequently Asked Questions

Everything you need to know about rent reporting, simplified and explained.

What is Rentaba and what does it do?
What are the benefits of Rentaba for universities?
My university does not have this program yet. Can Rentaba help me build credit?
Can I use Rentaba if my rent is being partially paid by a scholarship?
Does Rentaba help with living on campus?
What is a lease agreement?
Where can I find my university billing statement?
Does using Rentaba change how I pay my rent?
Do I need to keep uploading my payments? When?
Which credit bureaus does Rentaba report to?
Why do I need to wait 3 months to see my credit score change?
I started my lease 6 months ago, can I get credit for my past payments?
What impact will I see on my credit score?

Still have questions?

Our team is here to help — reach out anytime and get the answers you need.