The charts below provide the lists of optional loan lenders that have processed private loans with UCF within the past 3 years. Lenders may choose not to participate in the private loan program at any time.
The data below reflects the criteria confirmed at the time of publication. We advise that students contact the lenders for the most recent terms and conditions of the loans.
Optional Loan Lenders
| Lenders | International Students? | At Least Half-time Enrollment? | Satisfactory Academic Progress? | Degree-Seeking? | School Certification? | Deferred Payments? | Annual Loan Limits |
|---|---|---|---|---|---|---|---|
| Citizens Bank | Yes, International students require a creditworthy cosigner who is a US citizen. | Yes | No | Yes | Yes | Yes | Min: $1,000 Max: up to cost of education minus other financial aid |
| Discover Student Loans | Yes, International students require a creditworthy cosigner who is a US citizen or Permanent Resident. We no longer require a SSN. | Yes | Yes | Yes | Yes | Yes | Min: $1,000 Max: up to cost of education minus other financial aid |
| Massachusetts Educational Financing Authority (MEFA) | No | Yes | Yes | Yes | Yes | Yes | Min: $1,500 Max: up to cost of education minus other financial aid |
| NJClass Family Loans | No | Yes | Yes | Yes | Yes | Yes | Min: $1,500 Max: up to cost of education minus other financial aid |
| PNC Bank | No | Yes | No | Yes or Certificate seeking | Yes | Yes | Min: $1,000 Max: up to cost of education minus other financial aid |
| Rhode Island Student Loan Authority | No | Yes | No | Yes | Yes | Yes | Min: $1,500 Max: up to cost of education minus other financial aid |
| Sallie Mae Smart Option Loan | Yes, with U.S. citizen or permanent resident co-signer | No | No | No | Yes | Yes | Min: $1,000 Max: up to cost of education minus other financial aid |
| Suntrust Custom Choice Loan Program | No | Yes | No | Yes | Yes | Yes | Min: $1,001 Max: up to cost of education minus other financial aid |
| Union Federal Savings Bank Union Federal Private Student Loan | Yes, with U.S. citizen co-signer | Yes | No | Yes | Yes | Yes | Min: $1,001 Max: up to cost of education minus other financial aid |
| Wells Fargo Collegiate Loans | Yes, with eligible U.S. citizen co-signer | No | No | No, but must at least be Certificate seeking | Yes | Yes | Min: $1,000 Max: up to cost of education minus other financial aid |
| Ascent Independent | No | Full-time, and must be either a Junior, Senior or Graduate Student | Yes, but must have a minimum GPA of 2.5 | Yes | Yes | Yes | Min: $2,000 Max: up to cost of attendance |
Optional Loan Credit Union Lenders
Please note that credit unions require borrowers to be a member of their credit unions.
| Lenders | International Students? | At Least Half-time Enrollment? | Satisfactory Academic Progress? | Degree-Seeking? | School Certification? | Deferred Payments? | Annual Loan Limits |
|---|---|---|---|---|---|---|---|
| Anheuser-Busch Employee Credit Union | No | Yes | Yes | Yes | Yes | Yes | Min: $1,000 Max: up to cost of education minus other financial aid |
| Northwest Federal Credit Union | No | Yes | Yes | Yes | Yes | Yes | Min: $1,000 Max: up to cost of education minus other financial aid |
| Wright-Patt Credit Union | No | Yes | Yes | Yes | Yes | Yes | Min: $1,000 Max: up to cost of education minus other financial aid |