Student Loan Process & Timing


Undergraduate, Graduate & Family Private Student Loans

Student Loan Steps & Timeline

The loan process typically takes 2-4 weeks to complete and follows these steps:
  • 1Complete Your Application
    We begin reviewing your application as soon as it's submitted.
  • 2Certification Request Sent to Your School
    We work with your school to get all paperwork completed. (12 business days on average)
  • 3Final Truth in Lending Disclosure & Right of Rescission Period
    After you sign final documents, lending laws give you a chance to reconsider. (4 business days)
  • 4Funds Received & Processed by Educational Institution
    We send funds directly to your college for processing. If there is money left over, the college will give it to you. (7-10 business days)

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Start Your Student Loan Application

Enjoy a simple, streamlined process for undergraduate, graduate and family private student loans. Start by gathering some details and submitting your application online:

  • Identification & Contact Info – Your Social Security number, driver’s license number, address, phone number and email
  • Employment Info – Your employer’s name and your annual salary
  • Cosigner’s Info – If applicable, you'll need to include your cosigner’s name and email address

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