Private Financial Aid | Saybrook University

Private Financial Aid | Saybrook University
Why Saybrook
Why Saybrook
Because you will learn how to transform societies and communities, and also yourself.
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There are many ways to finance your Saybrook experience, and we’re here to help you find the best way forward.
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Financing Your Future
Private Financial Aid
Private Financial Aid
Admissions
Financing Your Future
Private Financial Aid
Private Financial Aid
Understanding more about private financing options can help you determine the best course of action for funding your education.
Private Education Loan Information
Private education loans are non-federal loans issued by private banks, credit unions, and state-based agencies to help students and families cover educational costs not fully met by federal aid. These loans require a credit check, may require a co-signer, and feature fixed or variable interest rates. Private loans do not offer federal protections or forgiveness and are typically considered only after all federal aid options have been explored.
Important Considerations
Before pursuing private loans:
Complete the
FAFSA
to determine your eligibility for federal grants and loans.
Explore all federal aid options
, which often offer more favorable terms and borrower protections.
Consult reliable, independent resources
to make informed decisions about loan types and lenders.
Recommended resources include:
Federal Student Aid: Federal vs. Private Loans
A side-by-side comparison from the U.S. Department of Education, covering repayment, interest rates, borrower protections, and eligibility.
Visit
Federal Student Aid
FinAid.org: Private Student Loan Guide
A student-focused guide including lender comparison tools, credit tips, application timelines, and key borrowing considerations.
Visit
FinAid.org
Financial Quick Links
Financing Your Future Overview
Scholarships
Scholarship Offerings
External Scholarships
Federal Financial Aid
Private Financial Aid
International Student Aid
Federal Loan Forgiveness Programs
Cost Calculators
Tuition and Fees
Academic Partnerships
Comparing Loan Options
Loan Features
Federal Loans
Private Loans
Based on Financial Need
Yes
No
Requires Credit Check
No (except PLUS Loans)
Yes
Interest Rates
Fixed
Fixed or Variable
Subsidized Interest
Available (Subsidized Loans)
Not Available
Repayment Flexibility
Income-driven plans available
Varies by lender
Forgiveness Options
Yes (e.g., PSLF)
Rare
Deferment / Forbearance
Standardized by law
Varies by lender
Applying for a Private Loan
If approved, follow these steps when applying for private loans:
STEP 1
Research Lenders:
Use independent loan comparison tools to evaluate all your private options.
STEP 2
Apply Directly:
Complete your application through the private lender’s website following their required steps.
STEP 3
School Certification:
Once approved, the private lender will contact our Registrar’s Office to certify your enrollment and cost of attendance.
STEP 4
Plan Ahead:
Processing private loans can take 3-4 weeks by your chosen lender. Apply early and stay in contact with your lender to avoid delays.
Eligibility Requirements
Private lenders will require the following information before issuing financial aid:
Enrollment:
You must be enrolled at least half-time in a degree-seeking program.
Credit Check:
Private lenders will assess your credit history; a co-signer may be required.
Loan Amount:
You can borrow up to the cost of attendance minus any other financial aid received.
Regulatory Transparency and Consumer Protection
Saybrook University complies with all federal regulations regarding private education loans by:
Certifying any eligible private loan lender of the student’s choice.
Ensuring no conflict of interest exists in providing lender information.
Prohibiting co-branding with lenders (no logos, mascots, or endorsements).
Annually reviewing student-used lenders and updating available information.
Protect Yourself From Student Loan Scams
You and your family should remain alert to scams related to financial aid and student loans. Scammers may attempt to impersonate legitimate lenders, servicers, or government agencies. You will never be asked to pay for help with federal aid.
Tip:
Be cautious of unsolicited phone calls, emails, or messages promising loan forgiveness or fast approval.
Verify:
Only use trusted sources when applying for or managing your student loans.
For more information, visit
Federal Student Aid – Avoiding Scams
Find Out More
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