{"id":15693,"date":"2019-09-26T12:02:51","date_gmt":"2019-09-26T16:02:51","guid":{"rendered":"https:\/\/questromworld.bu.edu\/grad\/?page_id=15693"},"modified":"2026-04-01T16:09:26","modified_gmt":"2026-04-01T16:09:26","slug":"private-credit-based-loans","status":"publish","type":"page","link":"https:\/\/questromworld.bu.edu\/grad\/essentials\/financial-aid\/private-credit-based-loans\/","title":{"rendered":"Private Credit-Based Loans"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-k10vepcs-2d10dedcac206d5038ba13f3cd32bd27\">\n.avia-section.av-k10vepcs-2d10dedcac206d5038ba13f3cd32bd27{\nbackground-repeat:no-repeat;\nbackground-image:url(https:\/\/questromworld.bu.edu\/grad\/wp-content\/uploads\/sites\/14\/2018\/11\/BostonQuestrom-2-1-1500x430.jpg);\nbackground-position:50% 50%;\nbackground-attachment:scroll;\n}\n.avia-section.av-k10vepcs-2d10dedcac206d5038ba13f3cd32bd27 .av-section-color-overlay{\nopacity:0.3;\nbackground-color:#000000;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-k10vepcs-2d10dedcac206d5038ba13f3cd32bd27 main_color avia-section-default avia-no-shadow  avia-builder-el-0  el_before_av_heading  avia-builder-el-first  avia-full-stretch avia-bg-style-scroll av-section-color-overlay-active av-minimum-height av-minimum-height-25 av-height-25  container_wrap fullsize'  data-section-bg-repeat='stretch' data-av_minimum_height_pc='25' data-av_min_height_opt='25'><div class=\"av-section-color-overlay-wrap\"><div class=\"av-section-color-overlay\"><\/div><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-15693'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-k10vhjxy-142663873f07ae6343f1e66b4ad7abfe\">\n#top .av-special-heading.av-k10vhjxy-142663873f07ae6343f1e66b4ad7abfe{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-k10vhjxy-142663873f07ae6343f1e66b4ad7abfe .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-k10vhjxy-142663873f07ae6343f1e66b4ad7abfe .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-k10vhjxy-142663873f07ae6343f1e66b4ad7abfe .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-k10vhjxy-142663873f07ae6343f1e66b4ad7abfe av-special-heading-h1 custom-color-heading blockquote modern-quote  avia-builder-el-1  avia-builder-el-no-sibling '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Financial Aid<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><\/div><div id='after_section_1'  class='main_color av_default_container_wrap container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-15693'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m70oe55m-0236632915b84f49f020c623911aad0d\">\n#top .av-special-heading.av-m70oe55m-0236632915b84f49f020c623911aad0d{\npadding-bottom:10px;\ncolor:#b02b2c;\n}\nbody .av-special-heading.av-m70oe55m-0236632915b84f49f020c623911aad0d .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-m70oe55m-0236632915b84f49f020c623911aad0d .special-heading-inner-border{\nborder-color:#b02b2c;\n}\n.av-special-heading.av-m70oe55m-0236632915b84f49f020c623911aad0d .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-m70oe55m-0236632915b84f49f020c623911aad0d av-special-heading-h1 custom-color-heading  avia-builder-el-2  el_after_av_section  el_before_av_hr  avia-builder-el-first '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Private Credit-Based Loans<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<div  class='hr av-rgxbwt-4465f93cebcf316b8e6c0f2fdf0210be hr-default  avia-builder-el-3  el_after_av_heading  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-mmmb9o5k-ecf86c071ec4aba6554ec0f97e119ad7 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><span data-huuid=\"10760138100045161124\"><span style=\"background: white\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/span><\/span><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><span data-huuid=\"10760138100045161124\">A private\/credit-based educational loan is a loan that&#8217;s based on a student&#8217;s (or co-borrower&#8217;s) credit score and history. <\/span><span data-huuid=\"10760138100045162591\">Lenders use one&#8217;s credit score to determine their interest rate, credit limit, and the term of the loan.<span class=\"pjBG2e\" data-cid=\"523f1341-c5b0-4de4-a192-bf555f110008\"><span class=\"UV3uM\">\u00a0<\/span><\/span><\/span>Our office urges students to compare credit-based loan information and terms carefully to determine the best fit for your particular circumstances.<\/p>\n<p style=\"margin: 0in;line-height: 16pt;font-family: Calibri;font-size: 12.0pt\"><span style=\"background: white\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/span><\/p>\n<\/div><\/section>\n<div  class='hr av-s7noz1-4f6a7e7aa242de793b798a57baf3f63f hr-default  avia-builder-el-5  el_after_av_textblock  el_before_av_heading '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mljrcw5h-4f9ea45c6a6344b072c9a24f5b4e2b41\">\n#top .av-special-heading.av-mljrcw5h-4f9ea45c6a6344b072c9a24f5b4e2b41{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-mljrcw5h-4f9ea45c6a6344b072c9a24f5b4e2b41 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-mljrcw5h-4f9ea45c6a6344b072c9a24f5b4e2b41 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-mljrcw5h-4f9ea45c6a6344b072c9a24f5b4e2b41 av-special-heading-h2  avia-builder-el-6  el_after_av_hr  el_before_av_textblock '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Credible<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<section  class='av_textblock_section av-k10vse8b-059be576cf645dbdfc249d072ad6ce22 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p style=\"margin: 0in;line-height: 16pt;font-family: Calibri;font-size: 12.0pt\"><span style=\"background: white\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/span><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><a href=\"https:\/\/www.credible.com\/student-loans\/schools\/bostonuniversity\">Credible<\/a> is a free online loan selection tool that allows you to compare prequalified rates*, terms, and eligibility rules side-be-side.<\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><span style=\"background: white\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/span><\/p>\n<\/div><\/section>\n<div  class='tabcontainer av-mmmd153z-85550071948302d4598e1d8dfb544bfc top_tab  avia-builder-el-8  el_after_av_textblock  el_before_av_hr '>\n<section class='av_tab_section av_tab_section av-mmmd2bn4-edd0aa3501360267f32f8579507febb9'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-1-tab' class='tab active_tab' role='tab' aria-selected=\"true\" tabindex=\"0\" data-fake-id='#tab-id-1' aria-controls='tab-id-1-content'  itemprop=\"headline\" >Filter<\/div><div id='tab-id-1-content' class='tab_content active_tab_content' role='tabpanel' aria-labelledby='tab-id-1-tab' aria-hidden=\"false\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">You can filter your search to sort on key factors most important to you.<\/p>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-mmmd3c5o-a8b1b72a86e8e5102965c7668828a566'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-2-tab' class='tab' role='tab' aria-selected=\"false\" tabindex=\"0\" data-fake-id='#tab-id-2' aria-controls='tab-id-2-content'  itemprop=\"headline\" >Soft-Credit Inquiry<\/div><div id='tab-id-2-content' class='tab_content' role='tabpanel' aria-labelledby='tab-id-2-tab' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">With your approval, Credible will pull a soft credit inquiry, which will not affect your credit score but will enable you to compare interest rates you qualify for at multiple lenders. Requesting pre qualified rates on Credible is free and doesn\u2019t affect your credit score.<\/p>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-mmmd59dl-445c49f5c25a46be61a7d5fb3f479ccc'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-3-tab' class='tab' role='tab' aria-selected=\"false\" tabindex=\"0\" data-fake-id='#tab-id-3' aria-controls='tab-id-3-content'  itemprop=\"headline\" >Hard-Credit Pull<\/div><div id='tab-id-3-content' class='tab_content' role='tabpanel' aria-labelledby='tab-id-3-tab' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">Applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.<\/p>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-mmmd5s51-119c9dfba4c5494bbf288048bf4d46da'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-4-tab' class='tab' role='tab' aria-selected=\"false\" tabindex=\"0\" data-fake-id='#tab-id-4' aria-controls='tab-id-4-content'  itemprop=\"headline\" >Security<\/div><div id='tab-id-4-content' class='tab_content' role='tabpanel' aria-labelledby='tab-id-4-tab' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">Credible assures users that it is <a href=\"https:\/\/www.credible.com\/security\">secured with 256-bit encryption<\/a>\u00a0technology.<\/p>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-mmmd6vsg-f0e7eae8a845b0083db0692ff18475e7'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-5-tab' class='tab' role='tab' aria-selected=\"false\" tabindex=\"0\" data-fake-id='#tab-id-5' aria-controls='tab-id-5-content'  itemprop=\"headline\" >Private Policy<\/div><div id='tab-id-5-content' class='tab_content' role='tabpanel' aria-labelledby='tab-id-5-tab' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">The Credible privacy policy can be\u00a0<a href=\"https:\/\/www.credible.com\/privacy\">found here<\/a>.<\/p>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-mmmd79wo-6de6657b246e6a510dfbf22941cfcae7'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-6-tab' class='tab' role='tab' aria-selected=\"false\" tabindex=\"0\" data-fake-id='#tab-id-6' aria-controls='tab-id-6-content'  itemprop=\"headline\" >Disclaimer<\/div><div id='tab-id-6-content' class='tab_content' role='tabpanel' aria-labelledby='tab-id-6-tab' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">You are not required to borrow from any of the lenders listed in the Credible marketplace. Only you and your family can decide which loan program is best for you. You are not required to borrow from any of the lenders suggested by Credible and there is no penalty for selecting a different lender, if you prefer.<\/p>\n<\/div><\/div><\/section>\n<\/div>\n<div  class='hr av-leaykt-89bc4797ff277d24a763e9c128233e31 hr-default  avia-builder-el-9  el_after_av_tab_container  el_before_av_heading '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m8fx8i2t-32a8af77f82f2774da95627e8e248b5a\">\n#top .av-special-heading.av-m8fx8i2t-32a8af77f82f2774da95627e8e248b5a{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-m8fx8i2t-32a8af77f82f2774da95627e8e248b5a .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-m8fx8i2t-32a8af77f82f2774da95627e8e248b5a .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-m8fx8i2t-32a8af77f82f2774da95627e8e248b5a av-special-heading-h2  avia-builder-el-10  el_after_av_hr  el_before_av_iconlist '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >How to Apply for a Credit-Based Loan<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m8fxckn2-42291cc1953ea320b171e3c1fb987787\">\n#top .avia-icon-list-container.av-m8fxckn2-42291cc1953ea320b171e3c1fb987787 .iconlist_icon{\ncolor:#b02b2c;\n}\n#top .avia-icon-list-container.av-m8fxckn2-42291cc1953ea320b171e3c1fb987787 .iconlist_icon svg:first-child{\nstroke:#b02b2c;\nfill:#b02b2c;\n}\n#top #wrap_all .avia-icon-list-container.av-m8fxckn2-42291cc1953ea320b171e3c1fb987787 .av_iconlist_title{\ncolor:#b02b2c;\n}\n<\/style>\n<div  class='avia-icon-list-container av-m8fxckn2-42291cc1953ea320b171e3c1fb987787  avia-builder-el-11  el_after_av_heading  el_before_av_hr '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-m8fxckn2-42291cc1953ea320b171e3c1fb987787 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-m8fx9pxd-a063031c82bde80591eee4383079dfbf avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue803' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: Research Your Student Loan Options\"><h4 class='av_iconlist_title iconlist_title  av_inherit_color'  itemprop=\"headline\" >Research Your Student Loan Options<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">Before applying for a credit-based student loan, it\u2019s important to do your research on the private student loan landscape and explore all of the options available to you.\u00a0 Visit\u00a0<a href=\"http:\/\/credible.com\/bostonuniversity\">Credible<\/a>\u00a0to compare lenders.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-m8fxac2y-c9eb18ccd78962415d3ea18f766e7b90 avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue836' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: Understand How to Apply\"><h4 class='av_iconlist_title iconlist_title  av_inherit_color'  itemprop=\"headline\" >Understand How to Apply<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">Once you select a lender, you will need to complete an application.\u00a0 Most private student loan applications can be submitted online and take an average of 15 minutes to complete.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-m8fxcdwg-b5d7e025f1d6529dbfa65d701e52a60e avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue82b' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: Get an Approval Decision\"><h4 class='av_iconlist_title iconlist_title  av_inherit_color'  itemprop=\"headline\" >Get an Approval Decision<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">After reviewing the disclosure and submitting your application, the approval process begins. Some lenders use a manual review process that could take a few days while others produce an instant decision. During the approval process, the lender evaluates your credit history, among other criteria, to determine whether to approve you for the loan.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-m8fxd94p-30f369915b3d7528ae01a3fa509dc473 avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue836' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: Accept and Sign Your Loan Terms\"><h4 class='av_iconlist_title iconlist_title  av_inherit_color'  itemprop=\"headline\" >Accept and Sign Your Loan Terms<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">Once approved, the next step is to review and accept the terms of the loan. \u00a0After you finalize the terms of your loan, you receive a second required disclosure, this time with specific information regarding rates, fees, and other terms of the loan. This disclosure shows you all of the information about your specific loan and how much it will cost. After you accept the terms of the loan, you\u2019ll sign the remaining loan documents to continue. Most lenders will let you sign your loan documents electronically so you can skip printing and mailing.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-m8fxebs2-161722fc174256b78994b7784b414435 avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue805' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: Wait for School Certification\"><h4 class='av_iconlist_title iconlist_title  av_inherit_color'  itemprop=\"headline\" >Wait for School Certification<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">During\u00a0certification, the lender will send your loan details to BU to confirm several things including your enrollment status (half-time or full-time), your anticipated graduation date, and your requested loan amount. The loan cannot exceed the cost of attendance.<\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">BU can certify the loan as is, certify the loan with changes, or not certify the loan at all. When certifying a loan with changes, BU can lower the amount of the loan if it exceeds the maximum cost of attendance (minus other aid), or could adjust things like your expected graduation date.<\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">If BU makes changes to the loan, your lender will often need to generate new disclosures to make sure you have the latest information. You may need to accept the new disclosure, so keep an eye out for communications from your lender.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-m8fxg5h7-2bad8fe8f251e680f6e94199a9856d48 avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue832' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: Disbursement of Funds\"><h4 class='av_iconlist_title iconlist_title  av_inherit_color'  itemprop=\"headline\" >Disbursement of Funds<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">Once your loan is certified by BU, your loan will be scheduled for disbursement. Student loan disbursement is how BU gets the funds you applied for to your student account. Credit-based student loans are typically sent straight to BU; they are not sent directly to you (the student).<\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">In terms of how long it takes to get your student loan, BU sets the disbursement date, which is typically on the first day of class each semester.\u00a0 It\u2019s best not to wait too long to apply to avoid any unexpected delays.<\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">Typically, your private student loan lender will inform you when your private student loan is disbursed, and will be sent to your school in 2 disbursements if you applied to cover more than one term.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div>\n<div  class='hr av-2eimb1-40f90b70c3108a3229687c803434d46b hr-default  avia-builder-el-12  el_after_av_iconlist  el_before_av_heading '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m70o61wr-139c03d9c9989be201b5ef903cc84291\">\n#top .av-special-heading.av-m70o61wr-139c03d9c9989be201b5ef903cc84291{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-m70o61wr-139c03d9c9989be201b5ef903cc84291 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-m70o61wr-139c03d9c9989be201b5ef903cc84291 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-m70o61wr-139c03d9c9989be201b5ef903cc84291 av-special-heading-h2  avia-builder-el-13  el_after_av_hr  el_before_av_toggle_container '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Additional Private Loan Information<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m0q4gsj8-9c907b38fb3c794a8df6e4fa59ce93a1\">\n#top .togglecontainer.av-m0q4gsj8-9c907b38fb3c794a8df6e4fa59ce93a1 p.toggler{\nbackground-color:#ffffff;\nborder-color:#b02b2c;\n}\n#top .togglecontainer.av-m0q4gsj8-9c907b38fb3c794a8df6e4fa59ce93a1 p.toggler .toggle_icon{\ncolor:#b02b2c;\nborder-color:#b02b2c;\n}\n#top .togglecontainer.av-m0q4gsj8-9c907b38fb3c794a8df6e4fa59ce93a1 p.toggler .toggle_icon > span{\ncolor:#b02b2c;\nborder-color:#b02b2c;\n}\n#top .togglecontainer.av-m0q4gsj8-9c907b38fb3c794a8df6e4fa59ce93a1 .toggle_wrap .toggle_content{\nbackground-color:#ffffff;\nborder-color:#b02b2c;\n}\n<\/style>\n<div  class='togglecontainer av-m0q4gsj8-9c907b38fb3c794a8df6e4fa59ce93a1  avia-builder-el-14  el_after_av_heading  avia-builder-el-last  toggle_close_all' >\n<section class='av_toggle_section av-m7191gpz-3c9e9b2032f1f9cf6a5fade11f5909c2'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-1' data-fake-id='#toggle-id-1' class='toggler  av-title-above av-inherit-border-color'  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-1' data-slide-speed=\"200\" data-title=\"Private Loan Self-Certification\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Private Loan Self-Certification\" data-aria_expanded=\"Click to collapse: Private Loan Self-Certification\">Private Loan Self-Certification<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-1' aria-labelledby='toggle-toggle-id-1' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color av-inherit-border-color'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">All applicants for private educational loans are required to complete a self-certification form. Prior to completing a private loan application, download, print, and complete the\u00a0<a href=\"https:\/\/fsapartners.ed.gov\/sites\/default\/files\/2023-06\/H450PrivateEducationLoanApplicantSelfCertificationForm.pdf\">Private Education Loan Applicant Self-Certification form<\/a>\u00a0as instructed. You will also be provided with a copy of this form from your lender as part of their application process. Only one self-certification form is required per loan application.<\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">To complete this form, you will need information about your \u201ccost of attendance for the period of enrollment covered by the loan\u201d and information about your \u201cestimated financial assistance\u201d for that same period.<\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-m0q4gron-a88fbb9dbf1384cf19bbd549c8efd5e5'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-2' data-fake-id='#toggle-id-2' class='toggler  av-title-above av-inherit-border-color'  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-2' data-slide-speed=\"200\" data-title=\"*Prequalified Rates\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: *Prequalified Rates\" data-aria_expanded=\"Click to collapse: *Prequalified Rates\">*Prequalified Rates<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-2' aria-labelledby='toggle-toggle-id-2' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color av-inherit-border-color'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;line-height: 16pt;font-family: Calibri;font-size: 12.0pt\">Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Rates and terms are subject to change without notice. Rates from Lenders may differ from prequalified rates due to factors which may include, but are not limited to:<\/p>\n<ul>\n<li style=\"line-height: 16pt;font-family: Calibri;font-size: 12pt\">changes in your personal credit circumstances<\/li>\n<li style=\"line-height: 16pt;font-family: Calibri;font-size: 12pt\">additional information in your hard credit pull and\/or additional information you provide (or are unable to provide) to the Lender during the underwriting process<\/li>\n<li style=\"line-height: 16pt;font-family: Calibri;font-size: 12pt\">changes in APRs (e.g., an increase in the rate index between the time of prequalification and the time of application or loan closing. (Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time). Lenders reserve the right to change or withdraw the prequalified rates at any time.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-m70k9atk-bcf6f23e1035c04f48587044087a9c32'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-3' data-fake-id='#toggle-id-3' class='toggler  av-title-above av-inherit-border-color'  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-3' data-slide-speed=\"200\" data-title=\"International Student Aid\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: International Student Aid\" data-aria_expanded=\"Click to collapse: International Student Aid\">International Student Aid<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-3' aria-labelledby='toggle-toggle-id-3' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color av-inherit-border-color'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<ol>\n<li style=\"font-family: Calibri;font-size: 12pt\">Home-Country Loans &#8211; If you do not qualify for U.S. Federal Student Aid, we advise that you check with your home country to see if loans to study in the U.S. are available.<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">Having a Co-Borrower &#8211; Many U.S. <a style=\"font-size: 12pt\" href=\"http:\/\/www.bu.edu\/finaid\/types-of-aid\/loans\/credit-based-loans\/\">lenders<\/a><span style=\"font-size: 12pt\"> offer credit-based educational loans to international students if they apply with a credit-worthy U.S. citizen, permanent resident, or eligible non-citizen co-borrower. If you are able to secure a qualified co-borrower, we urge you to do so and consider loans of this type, because approval and more favorable terms will be more likely. We urge you to compare credit-based loan information and terms carefully to determine the best fit for your particular circumstances and we suggest using Credible.com to do so.<\/span><\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">Utilizing Credible &#8211; <a href=\"https:\/\/www.credible.com\/student-loans\/schools\/bostonuniversity\">Credible\u00a0<\/a>is a free online loan selection tool that allows you to compare pre qualified rates*, terms, and eligibility rules side-by-side in just a few minutes.<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">Borrowing Without a Co-Borrower &#8211; If you are an international student seeking to borrow without a co-borrower you will find fewer lenders from which to choose. The two lenders listed below do not require a U. S. citizen, permanent resident, or eligible non-citizen co-borrower, however their interest rates and other terms may be less favorable. Certain restrictions apply as noted.\n<ul>\n<li style=\"font-family: Calibri;font-size: 12pt\"><a href=\"http:\/\/www.mpowerfinancing.com\/\">MPower Financing<\/a>\u00a0\u2013 Offers loans to eligible international students, undergraduate and graduate, who are enrolled in a degree program and are within two years of graduation.<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\"><a href=\"https:\/\/prodigyfinance.com\/\">Prodigy Finance<\/a>\u00a0\u2013 Offers loans to eligible international students enrolled in law, graduate business, or postgraduate engineering, law, business, public policy and health science degree programs.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-m8fx5obe-686a63d3d5ed836121f3db48fb5432d5'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-4' data-fake-id='#toggle-id-4' class='toggler  av-title-above av-inherit-border-color'  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-4' data-slide-speed=\"200\" data-title=\"Code of Conduct\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Code of Conduct\" data-aria_expanded=\"Click to collapse: Code of Conduct\">Code of Conduct<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-4' aria-labelledby='toggle-toggle-id-4' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color av-inherit-border-color'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">As a participant in the Federal Direct Loan Program, Boston University processes federal loans directly through the federal government. Boston University is committed to the following best practices with respect to private loans:<\/p>\n<ul>\n<li style=\"font-family: Calibri;font-size: 12pt\">The University will not enter into any revenue-sharing arrangement with any lender.<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">The University and its employees whose work relates to financial aid will not solicit any gift and will not accept any gift of more than a de minimus value from student loan companies, guaranty agencies, or loan servicers.<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">The University will not assign a borrower\u2019s loan to a particular lender or refuse or delay certification of a loan based on a borrower\u2019s selection of a lender or servicer.<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">The University will not request or accept from any lender an offer for student loan funds, including funds for an opportunity pool loan, in exchange for a promise of a certain number of loans, a specified loan volume or a preferred lender arrangement.<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">The University will not allow employees of student loan companies to staff its Financial Assistance office or other financial aid offices or to answer student or parent calls.<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">University employees whose work relates to financial aid will not accept any fee, stipend, honorarium, or other payment to consult for or provide services to a lender guaranty agency or loan servicer.<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">University employees whose work relates to financial aid may serve on an advisory board, commission, or group established by a lender, guarantor, or group of lenders or guarantors only with the prior written approval of the Vice President and\u00a0Associate Provost\u00a0for Enrollment &amp; Student Administration, the Treasurer, or the Associate Vice President, Boston University Medical Campus Financial &amp; Business Affairs. University employees who serve on an advisory board, commission, or group established by a lender, guarantor, or group of lenders or guarantors will not accept anything of value (other than reimbursement for reasonable expenses) for such service.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-m0rbwnim-a46b2044d523fe5afd1aeb4a29e97125'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-5' data-fake-id='#toggle-id-5' class='toggler  av-title-above av-inherit-border-color'  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-5' data-slide-speed=\"200\" data-title=\"Additional Resources\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Additional Resources\" data-aria_expanded=\"Click to collapse: Additional Resources\">Additional Resources<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-5' aria-labelledby='toggle-toggle-id-5' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color av-inherit-border-color'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<ul>\n<li style=\"font-family: Calibri;font-size: 12pt\"><a href=\"https:\/\/www.credible.com\/student-loans\/schools\/bostonuniversity\">Boston University Credible\u00a0<\/a><\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\"><a href=\"https:\/\/gradsense.org\/gradsense\/budget-calculator\">GradSense Budget Calculator<\/a><\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\"><a href=\"https:\/\/www.bu.edu\/finaid\/types-of-aid\/loans\/credit-based-loans\/private-education-loan-applicant-self-certification\/\">Private Education Loan Applicant Self-Certification<\/a>\u00a0(required for all private loan applications)<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\"><a href=\"https:\/\/www.bu.edu\/finaid\/types-of-aid\/loans\/credit-based-loans\/glossary-of-terms\/\">Glossary of Loan Terms<\/a><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":278,"menu_order":5,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-15693","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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