For the IEFC loans check out
http://www.iefc.com/
As for the HSBC thingy, the basic funda is that if you approach them independently the loan will be sanctioned/refused based on your current state,i.e your current income and the income/credit of your cosignor. The cosignor should ideally be a paerson setlled in the US/UK.
By cosignor it means a person who guarentees to pay back your loan in the case you defualt on your repayments.
cheers
-Amit