Skip to main content

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