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Private Loans
Federal aid first 
We highly recommend you complete the Free Application for Federal Student Aid (FAFSA) and apply for any student financial aid for which you are eligible for. Private loans should only be considered after state and federal sources of financial aid have been utilized.
Definition of a Private Education Loan 
A private educational loan is a non-federal educational loan, through a private lending institution, typically issued in the student's name. Each lender has different eligibility requirements (e.g., degree status, enrollment status, and U.S. citizenship status), loan rates, repayment terms, and conditions. Some lenders may also require payment of interest while students are in school.
Options to consider before borrowing a private loan 
Rutgers University offers the reasonable, no interest, Tuition Payment Plan. Before choosing a private educational loan, please consider whether this payment plan fits your financing needs.

Direct PLUS Loans are available to parents of dependent students and Graduate PLUS loans are available to graduate students. As part of the William D. Ford Federal Direct Loan Program, no bank or lender other than the federal government is needed to receive Direct PLUS Loans. As such, Direct PLUS Loans are not subject to commercial market conditions.
Should you decide to borrow 



Simplified Clearinghouse for Loan Information
Questions to Consider When Comparing Private Educational Loans
Loan Repayment Estimator

The lender you choose will require you to submit a "Self Certification" regarding your understanding of your rights and responsibilities as a borrower. Information you will need to complete the "Self Certification" can be found below:

Your Cost of Attendance:

      2015 - 2016
      Summer 2015
      2014 - 2015

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