Private Credit or Alternative Loans

Private credit or alternative loans are private loans available through lending institutions to help bridge the gap between your educational costs and available federal and state grants and federal student loans. These loans are credit based loans that require you to have established credit or a co-signer. Private credit loan programs differ from lender to lender so it is important that you know the terms and conditions of the loan and your rights and responsibilities as a borrower.

The inclusion of a loan program or lender on this site does not imply endorsement. Although we have narrowed the list to certain lenders, we do not endorse any alternative loan programs or lenders. Note that information is subject to change at any time, and we are not responsible for the content of lender websites. Contact lenders directly to confirm details or get current information.

Click or call to learn more about available options:

Sallie Mae Smart Option Student Loan
Toll-Free: (877) 834-9851