After the first year in the states, you complete the second year in the states. You get the degree from there, and the U.S. school is accredited. The bulk of your nursing classes and clinicals will be in the states. I applied to the CA board of Nursing and there was no problem sitting for the boards. The cost of the program is about $6,000 per semester and the ADN program is 5 or 6 months depending if your pre-reqs have been completed. I did my loans through Sallie Mae, I do not what other companies you can get your loans through. The majority of my classmates went through Sallie Mae as well.