{"id":235,"date":"2018-04-23T17:59:58","date_gmt":"2018-04-23T17:59:58","guid":{"rendered":"https:\/\/www.rochester.edu\/financial-aid\/?page_id=235"},"modified":"2026-08-27T18:22:21","modified_gmt":"2026-08-27T18:22:21","slug":"loans","status":"publish","type":"page","link":"https:\/\/www.rochester.edu\/financial-aid\/loans\/","title":{"rendered":"Loans"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"class_list":["post-235","page","type-page","status-publish","hentry"],"acf":{"lead_in":"","display_title":"","subtitle":"","call_to_action":"","hero_image_placement":"no_image","hero_media":"images","hero_pattern_option":"","hero_video":"","hero_image_landing":"","hero_image_landing_two":"","hero_image_landing_three":"","content_modules":[{"acf_fc_layout":"navigation","anchor":"","css_class":"anchor-links","title":"","description":"<em>The passage of the Working Families and Tax Cuts Act (also known as the One Big Beautiful Bill Act, or OB3) in July 2025 authorized a wide range of changes to federal loan eligibility and repayment options.<\/em>\r\n\r\n<em>We encourage all students and families who have used or intend to use federal loans for their URochester education to review our <a href=\"https:\/\/www.rochester.edu\/financial-aid\/federal-loan-changes-for-2026-2027\/\">website<\/a> for more detailed information on the overall legislative changes.<\/em>\r\n\r\n<em>In addition, students enrolled on a less than full-time basis are subject to federal loan reductions based on their enrollment status.\u00a0 These adjustments are known as the Schedule of Reductions (SOR).\u00a0 A detailed explanation as well as examples of SOR adjustments can be found on this <a href=\"https:\/\/www.rochester.edu\/financial-aid\/loan-reduction-for-less-than-full-time-students\/\">page<\/a>.<\/em>\r\n\r\n&nbsp;","background_color":"#FFFFFF","menu":"1816","layout":"layout_micronav","columns":3,"item_description":"show_desc","hover_color":"#283faf"},{"acf_fc_layout":"text","anchor":"federal-loans","css_class":"","title":"<h2>About federal loans<\/h2>","content":"<h3>Federal loan options<\/h3>\r\nFederal direct subsidized\/unsubsidized Stafford loans:\r\n<ul>\r\n \t<li>Subsidized Stafford Loans are need-based and do not accrue interest during the student\u2019s time in school. Only available to undergraduates.<\/li>\r\n \t<li>Unsubsidized Stafford Loans are non-need-based and do accrue interest during the student\u2019s time in school. Available to undergraduates and graduate\/professional students.<\/li>\r\n<\/ul>\r\n<h3>Federal Nursing Loans<\/h3>\r\nFederal Nursing Loans are for students demonstrating significant financial need. These do not accrue interest during the student\u2019s time in school.\r\n<h3>Federal Direct PLUS Loans<\/h3>\r\nFederal Direct PLUS loans are available to parents of dependent undergraduates, and\/or graduate students.* These do accrue interest during the student\u2019s time in school.\r\n\r\n<a class=\"button ghost-button--blue\" href=\"https:\/\/www.rochester.edu\/financial-aid\/parent-plus-loan\">Federal Direct Parent PLUS Loan Details<\/a>\r\n\r\n<a class=\"button ghost-button--blue\" href=\"https:\/\/www.rochester.edu\/financial-aid\/graduate-plus-loan\">Federal Graduate PLUS Loan Details<\/a>\r\n\r\n<em>*Graduate students must meet the Department of Education's <a href=\"https:\/\/studentaid.gov\/announcements-events\/big-updates\">legacy provisions<\/a> to borrow a Graduate PLUS Loan for the 2026-2027 academic year and beyond.\u00a0\u00a0<\/em>\r\n\r\n&nbsp;\r\n\r\nFederal student loans are available to students who are:\r\n<ul>\r\n \t<li>US citizens or permanent residents<\/li>\r\n \t<li>Matriculated<\/li>\r\n \t<li>Enrolled at least half time (six credit hours per term) in a degree-seeking program<\/li>\r\n<\/ul>\r\nIn order to receive federal loans for a course or courses, the course(s) must:\r\n<ul>\r\n \t<li>Be part of a matriculated degree-seeking program<\/li>\r\n \t<li>Not be audited courses<\/li>\r\n<\/ul>\r\n<h3>Interest rates for 2026-2027 federal loans<\/h3>\r\n<table class=\"table \" width=\"100%\">\r\n<thead>\r\n<tr>\r\n<th><strong>Loan type<\/strong><\/th>\r\n<th><strong>Borrower type<\/strong><\/th>\r\n<th><strong>Fixed interest rate<\/strong><\/th>\r\n<\/tr>\r\n<\/thead>\r\n<tbody>\r\n<tr>\r\n<td>Federal Direct Stafford Loan<\/td>\r\n<td>Undergraduate students<\/td>\r\n<td>6.52%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Federal Direct Stafford Loan<\/td>\r\n<td>Graduate\/professional students<\/td>\r\n<td>8.07%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Federal Nursing Loan<\/td>\r\n<td>Undergraduate and graduate Nursing students<\/td>\r\n<td>5.00%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Federal Direct PLUS Loan<\/td>\r\n<td>Parents of dependent undergraduates and <br class=\" sb-br\" \/>graduate\/professional students<\/td>\r\n<td>9.07%<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h3>Interest rates for 2025-2026 federal loans<\/h3>\r\n<table class=\"table \" width=\"100%\">\r\n<thead>\r\n<tr>\r\n<th><strong>Loan type<\/strong><\/th>\r\n<th><strong>Borrower type<\/strong><\/th>\r\n<th><strong>Fixed interest rate<\/strong><\/th>\r\n<\/tr>\r\n<\/thead>\r\n<tbody>\r\n<tr>\r\n<td>Federal Direct Stafford Loan<\/td>\r\n<td>Undergraduate students<\/td>\r\n<td>6.39%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Federal Direct Stafford Loan<\/td>\r\n<td>Graduate\/professional students<\/td>\r\n<td>7.94%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Federal Nursing Loan<\/td>\r\n<td>Undergraduate and graduate Nursing students<\/td>\r\n<td>5.00%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Federal Direct PLUS Loan<\/td>\r\n<td>Parents of dependent undergraduates and <br class=\" sb-br\" \/>graduate\/professional students<\/td>\r\n<td>8.94%<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h3>Yearly federal loan borrowing limits<\/h3>\r\n<table class=\"table scrollable-thead\" width=\"100%\">\r\n<thead>\r\n<tr>\r\n<th><strong>Year in school (earned undergraduate credits)<\/strong><\/th>\r\n<th><strong>Dependent undergraduate students<\/strong><\/th>\r\n<th><strong>Independent undergraduate students<\/strong><\/th>\r\n<th><strong>Graduate students<\/strong><\/th>\r\n<th><strong>Professional students<\/strong><\/th>\r\n<\/tr>\r\n<\/thead>\r\n<tbody>\r\n<tr>\r\n<td>First year <br class=\" sb-br\" \/>(0\u201323 earned credits)<\/td>\r\n<td>$5,500 (No more than\u00a0$3,500 subsidized)<\/td>\r\n<td>$9,500\u00a0(No more than\u00a0$3,500 subsidized)<\/td>\r\n<td>N\/A<\/td>\r\n<td>N\/A<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Second year\u00a0<br class=\" sb-br\" \/>(24\u201355\u00a0earned credits)<\/td>\r\n<td>$6,500\u00a0(No more than\u00a0$4,500 subsidized)<\/td>\r\n<td>$10,500\u00a0(No more than\u00a0$4,500 subsidized)<\/td>\r\n<td>N\/A<\/td>\r\n<td>N\/A<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Third year\u00a0<br class=\" sb-br\" \/>(56\u201387\u00a0earned credits)<\/td>\r\n<td>$7,500\u00a0(No more than\u00a0$5,500 subsidized)<\/td>\r\n<td>$12,500\u00a0(No more than\u00a0$5,500 subsidized)<\/td>\r\n<td>$20,500\u00a0unsubsidized<\/td>\r\n<td>$50,000\u00a0unsubsidized<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Fourth year\u00a0<br class=\" sb-br\" \/>(88\u2013128 earned credits)<\/td>\r\n<td>$7,500\u00a0(No more than\u00a0$5,500 subsidized)<\/td>\r\n<td>$12,500\u00a0(No more than\u00a0$5,500 subsidized)<\/td>\r\n<td>N\/A<\/td>\r\n<td>N\/A<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Fifth year\u00a0<br class=\" sb-br\" \/>(129+ earned credits)<\/td>\r\n<td>$7,500\u00a0(No more than\u00a0$5,500 subsidized)<\/td>\r\n<td>$12,500\u00a0(No more than\u00a0$5,500 subsidized)<\/td>\r\n<td>N\/A<\/td>\r\n<td>N\/A<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h3>Aggregate or \u201clifetime\u201d limits<\/h3>\r\n<table class=\"table \" width=\"100%\">\r\n<thead>\r\n<tr>\r\n<th><strong>Dependent undergraduate students<\/strong><\/th>\r\n<th><strong>Independent undergraduate students<\/strong><\/th>\r\n<th><strong>Graduate students<\/strong><\/th>\r\n<th><strong>Professional students<\/strong><\/th>\r\n<\/tr>\r\n<\/thead>\r\n<tbody>\r\n<tr>\r\n<td>$31,000\u00a0(No more than $23,000 subsidized)<\/td>\r\n<td>$57,500\u00a0(No more than\u00a0$23,000 subsidized)<\/td>\r\n<td>$100,000<\/td>\r\n<td>$200,000, less any amount received as a graduate student<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h3>Reducing or canceling loans<\/h3>\r\nYou can write a request to your financial aid counselor by email, fax, or postal mail. Requests must come directly from the student; parent requests will not be honored. You can subsequently request to restore such loans if need be, again with a written request, and you must do so before the end of the academic year or term in which you are enrolled.","background_color":"#ffffff","width":"width-medium"},{"acf_fc_layout":"text","anchor":"federal-loan-requirements","css_class":"","title":"<h2>Federal loan requirements<\/h2>","content":"<h3>Accepting federal loans<\/h3>\r\nYou must complete the requirements listed below to formally accept any federal loan you may have been offered and to allow the loan to disburse to your student billing account with the University. You only need to complete these requirements once during your time at URochester, and you will need your personal FSA ID. We encourage you to save all your information electronically for your records.\r\n\r\n<a class=\"button ghost-button--blue\" href=\"https:\/\/fsaid.ed.gov\/npas\/pas\/pub\/ForgotUsername?appid=fafsa\">Retrieve your FSA ID<\/a>\r\n<ol>\r\n \t<li>Log in to your FAOnline account and click the \u2018Required Documents\u2019 screen.<\/li>\r\n \t<li>Any outstanding documents will be listed as 'Not Received'.<\/li>\r\n \t<li>Keep in mind that you may need to complete requirements for several different loan types. For example, an undergraduate student may have qualified for a federal direct loan and a federal Nursing loan. That student would need to complete a master promissory note and entrance counseling for each loan.<\/li>\r\n \t<li>Parents can determine if they are missing any paperwork associated with the federal Parent PLUS loan by having their student check <a href=\"https:\/\/faonline.rochester.edu\">FAOnline<\/a> or by contacting the Financial Aid Office directly.<\/li>\r\n \t<li>Sign your Electronic Master Promissory Note (eMPN). Learn more below.<\/li>\r\n \t<li>Complete loan entrance counseling. Learn more below.<\/li>\r\n<\/ol>\r\n<h3>Get handy instructions for loan requirements:<\/h3>\r\n<a class=\"button ghost-button--blue\" href=\"https:\/\/www.rochester.edu\/financial-aid\/wp-content\/uploads\/2024\/05\/Federal-Direct-Loan-Handout.pdf\">Direct Loans<\/a>\r\n\r\n<a class=\"button ghost-button--blue\" href=\"https:\/\/www.rochester.edu\/financial-aid\/wp-content\/uploads\/2021\/06\/Grad-PLUS-Loan-Handout.pdf\">Grad PLUS Loans<\/a>\r\n\r\n<a class=\"button ghost-button--blue\" href=\"https:\/\/www.rochester.edu\/financial-aid\/wp-content\/uploads\/2021\/06\/Parent-PLUS-Loan-Handout.pdf\">Parent PLUS Loans<\/a>","background_color":"#ffffff","width":"width-medium"},{"acf_fc_layout":"accordion","anchor_id":"","classes":"","title":"","description":"","layout":"left","width":"width-medium","background_color":"#FFFFFF","style":"row_simple","row_bg_color":"","row_text_color":"#252525","row_bg_color_hover":"#252525","row_text_color_hover":"","row_border_color":"#252525","row_border_weight":"normal-border","animation":"slide","icon":"chevron-icon","icon_location":"right-icon","accordions":[{"title":"Electronic Master Promissory Note (eMPN)","row_content":"<strong><a class=\"button ghost-button--blue\" href=\"https:\/\/studentaid.gov\/mpn\/\" target=\"_blank\" rel=\"noopener noreferrer\">Sign your Direct Loan eMPN<\/a><\/strong>\r\n\r\nAll first-time borrowers of a federal direct loan at the University of Rochester must sign\u00a0an eMPN. Signing the\u00a0eMPN is a ten-step process and will require at least 30 minutes.\r\n\r\nWe will receive an electronic notice that the eMPN has been signed and is valid. At that time, your Federal Direct Loan will be scheduled for disbursement.\r\n\r\n<em><strong>Please note: It is a federal violation to complete forms or requirements for a loan of which you are not the primary borrower.<\/strong><\/em>","accordion_anchor":""},{"title":"Federal Direct Loan entrance counseling","row_content":"<strong><a class=\"button ghost-button--blue\" href=\"https:\/\/studentaid.gov\/app\/counselingInstructions.action?counselingType=entrance\">Begin Direct Loan Entrance Counseling<\/a><\/strong>\r\n\r\nIn addition to the eMPN, all first-time borrowers at the University of Rochester must complete loan entrance counseling. This session will take about 25 to 30 minutes. We will receive an electronic notice that the entrance counseling has been completed and is valid within two business days of you completing the requirement online.\r\n\r\nDuring the entrance counseling session, you will learn:\r\n<ul>\r\n \t<li>Your rights and responsibilities as a borrower<\/li>\r\n \t<li>Information on interest rates, expenses, repayment plans, and other important details about borrowing<\/li>\r\n \t<li>Whom to contact with questions<\/li>\r\n<\/ul>\r\nYou may attempt to pass the quiz three times. If you do not pass on your third attempt, you must <a title=\"Contact Financial Aid\" href=\"https:\/\/www.rochester.edu\/financial-aid\/contact-us\/\">contact your financial aid counselor<\/a>\u00a0to set up an in-person session.\r\n\r\n<em><strong>Please note: It is a federal violation to complete forms or requirements for a loan of which you are not the primary borrower.<\/strong><\/em>","accordion_anchor":""},{"title":"Federal Direct Loan exit counseling","row_content":"<strong><a class=\"button ghost-button--blue\" href=\"https:\/\/studentaid.gov\/app\/counselingInstructions.action?counselingType=exit\">Begin Direct Loan Exit Counseling<\/a><\/strong>\r\n\r\nAll students who have borrowed through the Federal Direct Student Loan program while at the University of Rochester and are no longer enrolled must complete a loan exit counseling session with the federal government. You must complete\u00a0exit counseling if you graduated, withdrew from the University, became inactive, or fell below half-time status. This session will take about\u00a030 minutes.\r\n\r\nIn the exit counseling session, you will learn:\r\n<ul>\r\n \t<li>Your rights and responsibilities for repayment<\/li>\r\n \t<li>Your repayment options<\/li>\r\n \t<li>How to defer your loans while in graduate school<\/li>\r\n \t<li>Who your loan servicer is and how to contact them<\/li>\r\n<\/ul>\r\nOur office will receive an electronic notice that the exit counseling has been completed and is valid within two business days of you completing the requirement online.\r\n\r\n<em><strong>Please note: It is a federal violation to complete forms or requirements for a loan of which you are not the primary borrower.<\/strong><\/em>","accordion_anchor":""},{"title":"Federal Nursing Loan Borrowers - additional details","row_content":"<span style=\"font-size: 1.125rem;\">The 糖心传媒 has successfully completed the transfer of your student loan account from ACS to Heartland ECSI, a leading provider of student loan servicing and higher education services. You can create your EasyPath profile today to take advantage of convenient features such as account management, online payments, electronic statements, payment history, and online document access.<\/span>\r\n\r\n<strong>Create your profile in 3 easy steps!<\/strong>\r\n\r\nStep 1: Go to <a href=\"http:\/\/heartland.ecsi.net\">heartland.ecsi.net<\/a>.\r\n\r\nStep 2: Register by creating a profile.\r\n\r\nStep 3: Connect your account using your Heartland Key. Please note: the Heartland Key is provided to you by Heartland ECSI. Until you have that Key, you will be unable to create your account.\r\n\r\n<strong>Don\u2019t forget to download the EasyPath mobile app by visiting the iPhone App Store or Android Marketplace.<\/strong>\r\n\r\n<strong>Heartland ECSI Contact information<\/strong>\r\n\r\nPayment Mailing Address:\r\nP.O. Box 718, Wexford, PA 15090\r\n\r\nPaperwork Mailing Address:\r\nP.O. Box 1278, Wexford, PA 15090\r\n\r\nCustomer Service:\r\nLive Chat: heartland.ecsi.net. Phone Support: 1.888.549.3274\r\n\r\nOur office will receive an electronic notice that the exit counseling has been completed and is valid within two business days of you completing the requirement online.\r\n\r\n<em><strong>Please note: It is a federal violation to complete forms or requirements for a loan of which you are not the primary borrower.<\/strong><\/em>","accordion_anchor":""}]},{"acf_fc_layout":"text","anchor":"university-loans","css_class":"","title":"","content":"<h2>University loans<\/h2>\r\n<h3>University loan borrowers<\/h3>\r\nThe 糖心传媒 has successfully completed the transfer of your student loan account from ACS to Heartland ECSI, a leading provider of student loan servicing and higher education services. You can create your EasyPath profile today to take advantage of convenient features such as account management, online payments, electronic statements, payment history, and online document access.\r\n\r\n<strong>Create your profile in 3 easy steps!<\/strong>\r\n\r\nStep 1: Go to <a href=\"http:\/\/heartland.ecsi.net\">heartland.ecsi.net<\/a>.\r\nStep 2: Register by creating a profile.\r\nStep 3: Connect your account using your Heartland Key*.\r\n\r\n*Please note: the Heartland Key is provided to you by Heartland ECSI. Until you have that Key, you will be unable to create your account.\r\n\r\n<em>Don\u2019t forget to download the EasyPath mobile app by visiting the iPhone App Store or Android Marketplace.<\/em>\r\n\r\n<strong>University Loans include the following funds:<\/strong>\r\n<ul>\r\n \t<li>University Broxholm Memorial Loan<\/li>\r\n \t<li>University Loeser Loan<\/li>\r\n \t<li>University McGuire Loan<\/li>\r\n \t<li>University O\u2019Connor Loan<\/li>\r\n \t<li>University Tiernan Loan<\/li>\r\n<\/ul>\r\n<em>To determine if you\u2019ve been awarded a University loan, log in to your FAOnline account and click the \u2018Your Awards\u2019 screen. Not all students qualify for this loan program.<\/em>\r\n<h3>University loan requirements<\/h3>\r\nYou must complete the requirements listed below to allow your University loans to disburse onto your student account. You only need to complete these requirements once during your time at URochester.\r\n\r\nPlease note: You cannot sign your eMPN or complete the entrance counseling until you receive an email notification from our servicer, Heartland ECSI, informing you of the web link to use in order to create your profile and providing you with a Heartland Key.\r\n\r\nPlease note: It is a federal violation to complete forms or requirements for a loan of which you are not the primary borrower.\r\n\r\n<strong>Electronic Master Promissory Note (eMPN)<\/strong>\r\n\r\nAll first-time borrowers of a University loan at the University of Rochester must sign an eMPN. We will receive an electronic notice that the eMPN has been signed and is valid within two business days of you completing the requirement online.\r\n\r\n<strong>University loan entrance counseling<\/strong>\r\n\r\nAll first-time borrowers at the University of Rochester must complete loan entrance counseling before loan proceeds can be credited to their student accounts. This session will take about 25 to 30 minutes.\r\n\r\nIn the entrance counseling session, you will learn:\r\n<ul>\r\n \t<li>Your rights and responsibilities as a borrower<\/li>\r\n \t<li>Information on repayment, interest rates, and other important details about borrowing<\/li>\r\n \t<li>Whom to contact with questions<\/li>\r\n<\/ul>\r\nAfter you complete the entrance counseling, our office will receive an electronic notice that the counseling has been completed and is valid within two business days of you completing the requirement online.\r\n\r\n<strong>University loan exit counseling<\/strong>\r\n\r\nAll students who have borrowed a University loan and are no longer enrolled must complete a loan exit counseling session. You must complete exit counseling if you graduated, withdrew from the University, became inactive, or fell below half-time status. This session will take about 30 minutes.\r\n\r\nIn the exit counseling session, you will learn:\r\n<ul>\r\n \t<li>Your repayment terms and conditions<\/li>\r\n \t<li>How to defer your loans<\/li>\r\n \t<li>Who your loan servicer is and how to contact them<\/li>\r\n<\/ul>\r\nOur office will receive an electronic notice that the exit counseling has been completed and is valid within two business days of you completing the requirement online through your Heartland ECSI account.\r\n\r\n<strong>Heartland ECSI contact information<\/strong>\r\n\r\nPayment Mailing Address:\r\nP.O. Box 718, Wexford, PA 15090\r\n\r\nPaperwork Mailing Address:\r\nP.O. Box 1278, Wexford, PA 15090\r\n\r\nCustomer Service:\r\nLive Chat: heartland.ecsi.net Phone Support: 1 (888) 549.3274","background_color":"#ffffff","width":"width-medium"},{"acf_fc_layout":"text","anchor":"alternative-loans","css_class":"","title":"<h2>Alternative loans<\/h2>","content":"Alternative loans are non-federal educational loans offered by banks and other lending institutions.\u00a0 Alternative loans are typically not subsidized, meaning interest will accrue while the borrower\/student is enrolled.\u00a0 Interest rates and fees are generally higher than federal loans, and will be based on the borrower\u2019s credit score.\u00a0 Credit-worthy co-signers may be required, depending on the borrower\u2019s credit standing.\u00a0 Alternative loans are intended to supplement, not replace, federal loan eligibility. URochester encourages all borrowers to consider federal loan options first, before considering alternative loan options.\u00a0 Alternative loan applications must be submitted directly through the lender, not through the University of Rochester.\r\n\r\n<strong>Alternative loan resources<\/strong>\r\n\r\nThe 糖心传媒 is not able to recommend or endorse any particular alternative loan option. Alternative loan terms offered, including interest rates, fees, repayment terms, and other variables, will be based on the borrower\u2019s application and credit score. Therefore, URochester cannot provide you with information about comparative pricing of private loans nor about the likelihood of your being approved with or without a cosigner.\r\n\r\nTo assist students in researching alternative loan options, URochester is utilizing ELMSelect to feature our preferred lenders.","background_color":"#ffffff","width":"width-medium"},{"acf_fc_layout":"text","anchor":"preferred-lender-list","css_class":"","title":"<h2>Preferred Lender List<\/h2>","content":"<strong>Important Information for Students and Families<\/strong>\r\n<ul>\r\n \t<li>You are not required to select a lender from this list. It is offered solely for informational purposes. You are free to choose any lender, and URochester will promptly process your loan certification regardless of your choice.<\/li>\r\n \t<li>It is recommended that you fully explore federal loan options first, as they generally provide more favorable terms, stronger borrower protections, and more flexible repayment options compared to private loans.<\/li>\r\n \t<li>URochester does not endorse or recommend any specific lender, and inclusion on this list should not be interpreted as a recommendation.<\/li>\r\n \t<li>URochester will not delay or refuse loan certification, nor will it otherwise disadvantage you based on the lender you select.<\/li>\r\n \t<li>Carefully compare your options, as interest rates, fees, and loan terms can vary significantly. You may find more competitive offers from lenders not included on this list.<\/li>\r\n<\/ul>\r\n<strong>\u00a0<\/strong>\r\n\r\n<strong>Consider Federal Loans First<\/strong>\r\n\r\nBefore considering private education loans, U.S. citizens and eligible non-citizens are encouraged to fully explore their federal student loan options. Federal loans often provide valuable benefits, including fixed interest rates set by Congress, no credit check for most programs, and flexible repayment plans based on income.\r\n\r\nAdditional protections may include loan forgiveness opportunities\u2014such as Public Service Loan Forgiveness and Teacher Loan Forgiveness\u2014as well as deferment or forbearance options during periods of financial hardship. In certain cases, federal loans may also be discharged due to death or permanent disability.\r\n\r\nTo learn more about federal student loans, visit StudentAid.gov or contact the University of Rochester\u2019s Financial Aid Office for assistance.\r\n\r\n&nbsp;\r\n\r\n<strong>Preferred Lenders at a Glance<\/strong>\r\n\r\nThe lenders included on this Preferred Lender List were selected through a formal Request for Information (RFI) process. The RFI was distributed through targeted outreach to private lenders. The lenders below have been carefully selected through a review process involving a team of financial aid professionals.\r\n\r\nOur selection process included the following criteria:\r\n<ul>\r\n \t<li><strong>Competitive Terms<\/strong>: Rates, fees, and repayment options must provide strong value to borrowers.<\/li>\r\n \t<li><strong>Service Quality<\/strong>: Lenders must deliver responsive support, useful tools, and high customer satisfaction.<\/li>\r\n \t<li><strong>Loan Variety<\/strong>: A broad range of loan products is required to meet diverse student needs.<\/li>\r\n \t<li><strong>Track Record and Stability<\/strong>: Lenders must show financial strength and a consistent history of ethical practices.<\/li>\r\n \t<li><strong>Regulatory Compliance<\/strong>: All lenders must meet federal and state requirements. No lender pays for placement or receives preferential treatment.<\/li>\r\n<\/ul>\r\nImportantly, our selection process is conducted independently, free from any conflicts of interest, and is reviewed periodically to ensure ongoing compliance and performance. Borrowers are not required to use a lender from this list and are encouraged to explore all available options to make the best financial decision for their individual circumstances.\r\n\r\n&nbsp;\r\n\r\n<strong>How to Apply for Private Education Loans<\/strong>\r\n\r\n&nbsp;\r\n<ol>\r\n \t<li><strong>Complete the FAFSA<\/strong> to determine your eligibility for federal financial aid.<\/li>\r\n \t<li><strong>Review your financial aid offer and billing statement<\/strong> to determine how much additional funding you may need.<\/li>\r\n \t<li><strong>Research and compare lenders,<\/strong> paying close attention to interest rates, fees, repayment terms, and borrower benefits.<\/li>\r\n \t<li><strong>Apply directly with your selected lender. <\/strong>Most applications are completed online.<\/li>\r\n \t<li><strong>Complete the Private Education Loan Self-Certification Form,<\/strong> which is required by federal law and provided by your lender.<\/li>\r\n \t<li><strong>Await credit approval,<\/strong> which may take anywhere from several days to a few weeks.<\/li>\r\n \t<li><strong>Review and sign your promissory note.<\/strong> Carefully read and understand all terms before signing.<\/li>\r\n \t<li><strong>糖心传媒 certification:<\/strong> Once the lender approves your loan, URochester will certify the approved loan amount up to your cost of attendance.<\/li>\r\n \t<li><strong>Loan disbursement:<\/strong> Funds are typically sent directly to the university and applied to your student account.<\/li>\r\n<\/ol>\r\n<strong>Important:<\/strong> The private loan process can take approximately <strong>3\u20136 weeks<\/strong> from application to disbursement. Applying early helps ensure your loan will be certified in time for your payment due date.\r\n\r\n&nbsp;\r\n\r\n<strong>Important Disclosures and Reminders<\/strong>\r\n<ul>\r\n \t<li><strong>Credit-based approval:<\/strong> Approval, interest rates, and terms are based on your credit profile or that of your cosigner.<\/li>\r\n \t<li><strong>Interest starts immediately: <\/strong>Interest typically begins accruing as soon as funds are disbursed.<\/li>\r\n \t<li><strong>Fewer protections:<\/strong> Private loans generally do not offer income-driven repayment, loan forgiveness, or the same deferment and forbearance options as federal loans.<\/li>\r\n \t<li><strong>Not typically dischargeable:<\/strong> Education loans from private lenders are not typically dischargeable in bankruptcy.<\/li>\r\n \t<li><strong>Compare lenders:<\/strong> Rates, fees, and terms vary widely\u2014review multiple options before choosing.<\/li>\r\n \t<li><strong>Borrow only what you need:<\/strong> These loans must be repaid with interest; borrowing less reduces total cost.<\/li>\r\n \t<li><strong>Right to cancel:<\/strong> You have a three-day right to cancel after receiving the final loan disclosure.<\/li>\r\n \t<li><strong>Read before signing:<\/strong> Review all loan documents carefully to understand your repayment obligations.<\/li>\r\n<\/ul>\r\n<h3><a href=\"https:\/\/www.elmselect.com\/v4\/school\/529\/program-select\"><strong>Preferred Lender List \u2013\u00a0ElmSelect<\/strong><\/a><\/h3>","background_color":"#ffffff","width":"width-medium"},{"acf_fc_layout":"accordion_new","anchor_id":"","classes":"","title":"<h2>Historical Lender List<\/h2>","description":"Looking to expand on your loan and lender research? Review URochester\u2019s list of Historical Lenders, a selection of loan options based on previous student and family borrowing.","background":"plain","background_color":"#ffffff","style":"row_blank","expand":"no","accordions":[{"acf_fc_layout":"accordion","accordion_title":"Historical Lender List","icon":"","row_content":"<table class=\"table \" width=\"100%\">\r\n<thead>\r\n<tr>\r\n<th><strong>Loan type<\/strong><\/th>\r\n<th><strong>Fixed interest rate<\/strong><\/th>\r\n<\/tr>\r\n<\/thead>\r\n<tbody>\r\n<tr>\r\n<td>AAA Advantage Student Loan<\/td>\r\n<td><a href=\"https:\/\/northeast.aaa.com\/\">https:\/\/northeast.aaa.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Abe Student Loan<\/td>\r\n<td><a href=\"https:\/\/www.abestudentloans.com\/\">https:\/\/www.abestudentloans.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Ascent<\/td>\r\n<td><a href=\"https:\/\/www.ascentfunding.com\/\">https:\/\/www.ascentfunding.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Bank of Lake Mills<\/td>\r\n<td><a href=\"https:\/\/www.bankoflakemills.com\/\">https:\/\/www.bankoflakemills.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Brazos Student Loan<\/td>\r\n<td><a href=\"https:\/\/studentloans.com\/\">https:\/\/studentloans.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>CHESLA<\/td>\r\n<td><a href=\"https:\/\/chesla.org\/\">https:\/\/chesla.org\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Christian Community Credit Union<\/td>\r\n<td><a href=\"https:\/\/www.mycccu.com\/\">https:\/\/www.mycccu.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Citizens<\/td>\r\n<td><a href=\"https:\/\/www.citizensbank.com\/\">https:\/\/www.citizensbank.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>College Ave<\/td>\r\n<td><a href=\"https:\/\/www.collegeave.com\/\">https:\/\/www.collegeave.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Custom Choice<\/td>\r\n<td><a href=\"https:\/\/www.customchoice.com\/\">https:\/\/www.customchoice.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Digital Federal Credit Union<\/td>\r\n<td><a href=\"https:\/\/www.dcu.org\/\">https:\/\/www.dcu.org\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Earnest<\/td>\r\n<td><a href=\"https:\/\/www.earnest.com\/student-loans\">https:\/\/www.earnest.com\/student-loans<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Empower FCU<\/td>\r\n<td><a href=\"https:\/\/www.empowerfcu.com\/\">https:\/\/www.empowerfcu.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Finance Authority of Maine (FAME)<\/td>\r\n<td><a href=\"https:\/\/www.famemaine.com\/\">https:\/\/www.famemaine.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>FUNDINGU<\/td>\r\n<td><a href=\"https:\/\/www.funding-u.com\/\">https:\/\/www.funding-u.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Granite Edvance<\/td>\r\n<td><a href=\"https:\/\/graniteedvance.org\/\">https:\/\/graniteedvance.org\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Inner Lakes FCU<\/td>\r\n<td><a href=\"https:\/\/www.innerlakesfcu.org\/\">https:\/\/www.innerlakesfcu.org\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>LendKey<\/td>\r\n<td><a href=\"https:\/\/www.lendkey.com\/\">https:\/\/www.lendkey.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Louisiana Education Loan Authority<\/td>\r\n<td><a href=\"https:\/\/lela.org\/\">https:\/\/lela.org\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>MEFA<\/td>\r\n<td><a href=\"https:\/\/www.mefa.org\/\">https:\/\/www.mefa.org\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Metro Credit Union<\/td>\r\n<td><a href=\"https:\/\/www.metrocu.org\/\">https:\/\/www.metrocu.org\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>MPOWER<\/td>\r\n<td><a href=\"https:\/\/www.mpowerfinancing.com\/\">https:\/\/www.mpowerfinancing.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Navy Federal Credit Union<\/td>\r\n<td><a href=\"https:\/\/www.navyfederal.org\/\">https:\/\/www.navyfederal.org\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>NC Assist<\/td>\r\n<td><a href=\"https:\/\/www.ncassist.org\/\">https:\/\/www.ncassist.org\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Nelnet Bank<\/td>\r\n<td><a href=\"https:\/\/www.nelnetbank.com\/\">https:\/\/www.nelnetbank.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>NJClass<\/td>\r\n<td><a href=\"https:\/\/www.hesaa.org\/Pages\/NJCLASSHome.aspx\">https:\/\/www.hesaa.org\/Pages\/NJCLASSHome.aspx<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Northern FCU<\/td>\r\n<td><a href=\"https:\/\/www.mynorthern.com\/\">https:\/\/www.mynorthern.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>PHEAA<\/td>\r\n<td><a href=\"https:\/\/www.pheaa.org\/\">https:\/\/www.pheaa.org\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>PHEAA<\/td>\r\n<td><a href=\"https:\/\/prodigyfinance.com\/\">https:\/\/prodigyfinance.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Prodigy Finance<\/td>\r\n<td><a href=\"https:\/\/prodigyfinance.com\/\">https:\/\/prodigyfinance.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>RISLA<\/td>\r\n<td><a href=\"https:\/\/www.risla.com\/\">https:\/\/www.risla.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Sallie Mae<\/td>\r\n<td><a href=\"https:\/\/www.salliemae.com\/\">https:\/\/www.salliemae.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>SoFi<\/td>\r\n<td><a href=\"https:\/\/www.sofi.com\/\">https:\/\/www.sofi.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>St. Pius Federal Credit Union<\/td>\r\n<td><a href=\"https:\/\/www.spxfcu.org\/\">https:\/\/www.spxfcu.org\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Student Choice<\/td>\r\n<td><a href=\"https:\/\/www.studentchoice.org\/\">https:\/\/www.studentchoice.org\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Summit Federal Credit Union<\/td>\r\n<td><a href=\"https:\/\/www.summitfcu.org\/\">https:\/\/www.summitfcu.org\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>TRUE Community Credit Union<\/td>\r\n<td><a href=\"https:\/\/www.trueccu.com\/\">https:\/\/www.trueccu.com\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Visions Federal Credit Union<\/td>\r\n<td><a href=\"https:\/\/www.visionsfcu.org\/\">https:\/\/www.visionsfcu.org\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>VSAC<\/td>\r\n<td><a href=\"https:\/\/www.vsac.org\/\">https:\/\/www.vsac.org\/<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Workers Credit Union<\/td>\r\n<td><a href=\"https:\/\/www.wcu.com\/\">https:\/\/www.wcu.com\/<\/a><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>","accordion_anchor":""}]},{"acf_fc_layout":"text","anchor":"","css_class":"","title":"","content":"<strong>Alternative educational loans:<\/strong>\r\n<ul>\r\n \t<li>Require credit approval<\/li>\r\n \t<li>Must be accounted for in the student\u2019s financial aid package, even if the funding is sent directly to the student and does not require the school\u2019s certification before it is approved<\/li>\r\n \t<li>Have variable interest rates that have no caps (interest rates are based on the LIBOR rate or PRIME rate)<\/li>\r\n \t<li>May have additional fees of up to 9.5 percent of the requested loan amount<\/li>\r\n \t<li>Cannot have a maximum loan amount that exceeds the cost of attendance minus the financial aid already awarded by the University<\/li>\r\n \t<li>Usually have the student as the primary borrower of the loan; a few lenders will allow other family members to borrow on behalf of the student<\/li>\r\n \t<li>Usually allow students to defer payments on the loan while they are in school at least half time (six credit hours)<\/li>\r\n \t<li>Usually allow students to capitalize the interest accrued on the loan once they graduate or leave school<\/li>\r\n \t<li>Usually allow a six-month grace period before students begin repaying<\/li>\r\n<\/ul>\r\n<strong>Things to consider before you apply<\/strong>:\r\n\r\nIf you choose to pursue an alternative loan, you should contact your financial aid counselor to explore your options first. If you are confident that you want to borrow an alternative loan, be sure to compare the costs associated with various loans before completing an application. Interest rates, fees, repayment periods, borrower benefits, customer service, and other features can vary significantly between loans.\r\n\r\nWhile many educational loans are available with no fees and interest rates less than 10 percent, other programs exist with fees up to 9.5% and interest rates over 14 percent. These higher rates can result in you paying thousands of dollars in additional costs. Be aware that some loan programs require you to make interest payments while in school. We will not take in-school loan payments into account in our aid package review, and we won\u2019t consider it in appeals. Take the time to compare.\r\n\r\n<strong>Questions to ask a potential lender<\/strong>\r\n\r\nBefore completing an application, get the answers to these questions:\r\n<ul>\r\n \t<li>How much may I borrow?<\/li>\r\n \t<li>What are the fees associated with the loan?<\/li>\r\n \t<li>What is the interest rate and how often will it change (e.g., quarterly)?<\/li>\r\n \t<li>Do I need to be at least 18 years old to receive the loan?<\/li>\r\n \t<li>Do I need a co-signer? Can my co-signer be released from the loan after I enter repayment?<\/li>\r\n \t<li>Can I receive a lower interest rate when I apply with a co-signer?<\/li>\r\n \t<li>Can I defer payments while in school?<\/li>\r\n \t<li>What are the terms of repayment?<\/li>\r\n \t<li>Are there any penalties for paying the loan off early?<\/li>\r\n<\/ul>","background_color":"#ffffff","width":"width-medium"},{"acf_fc_layout":"text","anchor":"additional-borrowing","css_class":"","title":"<h2>Additional borrowing options<\/h2>","content":"<h3>Budget well<\/h3>\r\nWe encourage all students and parents to borrow as little as possible. In the event that the student and\/or parents wish to seek financing beyond the student\u2019s financial aid package, we recommend that the family consider paying for remaining expenses through student work, current income, and\/or assets, before pursuing additional loans. Limiting the amount of additional borrowing will help reduce the total cost of the education.\r\n\r\nVisit our <a href=\"https:\/\/www.rochester.edu\/financial-aid\/financial-literacy\/\">financial literacy page<\/a> for more information on budgeting well and other ways to save money as a URochester student.\r\n<h3>State educational loans<\/h3>\r\nSome states offer educational loans to their residents, including for residents attending college\/university outside of that state. States that offer educational loans to their residents include Alaska, Connecticut, Maine, Massachusetts, New Jersey, and Vermont.","background_color":"#ffffff","width":"width-medium"},{"acf_fc_layout":"text","anchor":"loan-repayment","css_class":"","title":"<h2>Loan repayment<\/h2>","content":"<h3>Federal loan repayment plans<\/h3>\r\nIt\u2019s important to find the right repayment plan for you in order to manage your money and make timely payments on your student loans after graduation. The government offers a variety of repayment plans to cater to different individuals\u2019 needs. A comprehensive list of Federal Direct Loan payment plans can found on the Federal Student Aid website:\r\n\r\n<a class=\"button ghost-button--blue\" href=\"https:\/\/studentaid.gov\/manage-loans\/repayment\/plans\">Federal Loan Repayment Plans<\/a>\r\n<h3>Federal Nursing Loan repayment<\/h3>\r\n<ul>\r\n \t<li>Repayment of a Federal Nursing Loan begins when the nine-month grace period ends.<\/li>\r\n \t<li>At the time a borrower drops below half-time enrollment or leaves the University of Rochester, the student must complete an online exit interview.<\/li>\r\n \t<li>During the interview, pertinent information and a repayment schedule are provided to the borrower.<\/li>\r\n \t<li>The repayment period may not exceed ten years.<\/li>\r\n \t<li>If you are currently in repayment, your payment will be due the 10th of every month.<\/li>\r\n \t<li>To learn more about due dates as well as how to read the billing statement, visit Heartland ECSI\u2019s website.<\/li>\r\n \t<li>If you are currently enrolled in school, are in your grace period, or are in deferment\/forbearance, no payment is due at this time.<\/li>\r\n \t<li>You will begin to receive billing statements prior to your first payment due date.<\/li>\r\n<\/ul>\r\n<h4>Loan Repayment Resources and Calculators<\/h4>\r\nThere are a variety of resources available to help monitor your loan balance and plan your loan repayments both before and after you graduate. A few of these resources are listed below:\r\n\r\n<a href=\"https:\/\/studentaid.gov\/loan-simulator\/\">Federal Student Aid Loan Simulator<\/a>\r\n\r\n<a href=\"https:\/\/studentaid.gov\/exit-counseling\">Federal Student Aid<\/a><a href=\"https:\/\/studentaid.gov\/exit-counseling\"> Exit Counseling <\/a>\r\n\r\n<a href=\"https:\/\/nslds.ed.gov\/npas\/index.htm\"><strong>National Student Loan Database<\/strong><\/a>\r\n\r\n<a href=\"https:\/\/www.hesc.ny.gov\/repay-your-loans\/loan-repayment-advisor\">New York State Higher Education Services Corporation <\/a><a href=\"https:\/\/www.hesc.ny.gov\/repay-your-loans\/loan-repayment-advisor\">Loan Repayment Advisor<\/a>\r\n\r\n<a href=\"https:\/\/bigfuture.collegeboard.org\/pay-for-college\/scholarships-grants-loans\/loans\">College Board Step-By-Step Loan Guide<\/a>\r\n\r\n<a href=\"https:\/\/finaid.org\/calculators\/loanpayments\/\">FinAid.Org Loan Calculator<\/a>\r\n\r\n<a href=\"https:\/\/fa.financialavenue.org\/\"><strong>Financial Avenue<\/strong><\/a>\r\n<h3>University loan repayment<\/h3>\r\nThere are a variety of resources available to help plan your loan repayments both before and after you graduate. A few of these resources are listed below:\r\n<ul>\r\n \t<li>Repayment of a University Loan begins when the six-month grace period ends<\/li>\r\n \t<li>At the time a borrower drops below half-time enrollment or leaves the University of Rochester, the student must complete an online exit interview<\/li>\r\n \t<li>During the interview, pertinent information and a repayment schedule are provided to the borrower<\/li>\r\n \t<li>The repayment period may not exceed five years<\/li>\r\n \t<li>If you are currently in repayment, your payment will be due the 10th of every month<\/li>\r\n \t<li>To learn more about due dates as well as how to read the billing statement, visit Heartland ECSI\u2019s website<\/li>\r\n \t<li>If you are currently enrolled in school, are in your grace period, or are in deferment\/forbearance, no payment is due at this time<\/li>\r\n \t<li>You will begin to receive billing statements prior to your first payment due date<\/li>\r\n<\/ul>","background_color":"#ffffff","width":"width-medium"}]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Loans | URochester Financial Aid &amp; 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